Kia Optima Insurance Rates

If you are struggling with the best way to shop for a Kia Optima insurance policy, this article is for you. Drivers pay an average of $1,454 per year for Optima auto insurance and that can fluctuate based on a variety of factors, such as the age of the vehicle.

For example, 2013 Kia Optima insurance rates are more affordable than what you might find when looking at 2015 Kia Optima insurance costs.

In order to adequately prepare yourself to shop for a policy like a pro, be sure to read through this detailed article. When you’re ready, be sure to enter your five-digit ZIP code to compare Kia Optima rates from multiple companies.

Average auto insurance rates for a Kia Optima are $1,288 annually with full coverage. Comprehensive costs an estimated $230 a year, collision insurance costs $358, and liability costs around $520. Liability-only coverage costs as low as $576 a year, and high-risk coverage costs around $2,778. Teen drivers receive the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Optima trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than larger metro areas. The diagram below illustrates the difference location can make on insurance prices.

These examples demonstrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of using price averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below details average Kia Optima insurance rates for other coverage scenarios.

• The lowest rate with discounts is $766
• Using higher $1,000 deductibles will save approximately $1,154 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,288
• Choosing low $100 deductibles for physical damage coverage will cost $1,544
• Drivers with multiple violations and an at-fault accident could pay up to $2,778
• The cost with full coverage for a teen driver can cost as much as $5,050 or more

View Chart as Image

Car insurance rates for a Kia Optima can also vary considerably based on the trim level of your Optima, your driving record, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,500 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $390 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Kia Optima insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Affordable Kia Optima Insurance

Saving money on car insurance requires being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Make time to compare rates every year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief review of the coverage data touched on in this article.

• You may be able to save approximately $150 per year just by quoting early and online
• Increasing deductibles could save up to $400 each year
• Youthful drivers have the highest car insurance rates, with premiums as much as $421 per month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,490 more annually than a low-risk driver

As you can see from some of the information we’ve gone over to this point, there are several individual factors that influence Optima car insurance rates. Take advantage of our free quote tool below to compare quotes from top companies right now.

What are the safety ratings of the Kia Optima?

The safety ratings of the Kia Optima are important to understand because your insurance provider is going to be interested in knowing about the durability of your car.

Take a look at the following crash test ratings of the Kia Optima with results posted by the Insurance Institute for Highway Safety.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

For a brief frame of reference, “Good” is the highest rating possible. The fact that the Kia Optima received this score in every part of the car that was tested is great news if you want an affordable policy.

Kia Optima Compared Against Other Vehicles in the Same Class

If you are curious to know how the Kia Optima stacks up to other similar models, take a look at the following midsize four-door sedans.

Each page provides information on the insurance rates for each comparable model so you can cross-reference them with the Kia Optima.

• Chevrolet Malibu
• Hyundai Sonata
• Volkswagen Jetta

Data from the IIHS shows that the Kia Optima has a bodily injury loss percentage of 34 percent and a property damage loss percentage of 9 percent. Both of these figures are a bit worse than average for this vehicle class, which might contribute to your insurance rates.

Now that we have gone into great detail about how Kia Optima insurance rates are calculated, is there anything we might have missed? If not, start comparing Kia Optima quotes from multiple companies by taking advantage of our free online tool.