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.

U.S. average auto insurance rates for a Kia Optima are $1,288 annually with full coverage. Comprehensive insurance costs an estimated $230, collision costs $358, and liability costs around $520. A policy with just liability insurance costs as low as $576 a year, with coverage for high-risk drivers costing $2,778 or more. Teens pay the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Price estimates broken down by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Optima trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $766
• Using higher $1,000 deductibles will save approximately $134 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,288
• Selecting more expensive low deductibles for physical damage coverage costs an additional $256 annually
• High-risk insureds with serious driving violations could pay up to $2,778 or more
• The price with full coverage for a 16-year-old driver with full coverage can cost as much as $5,050 or more

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance can be from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $390 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from multiple companies. Each insurance company calculates prices differently, so the prices may be quite different between companies.

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 the Best Kia Optima Insurance

Getting lower rates on insurance for a Kia Optima requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief recap of the data covered in the charts and tables above.

• Insureds who want higher liability limits will pay approximately $570 every year to increase from a low limit to higher 250/500 limits
• You may be able to save approximately $150 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $400 each year
• Teenagers are charged the highest prices, costing up to $421 a month including comprehensive and collision insurance

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.