Kia Optima Insurance Rates

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UPDATED: Apr 24, 2024

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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 for full coverage insurance. Comprehensive costs on average $230 a year, collision insurance costs $358, and liability coverage is estimated at $520. Liability-only insurance costs approximately $576 a year, and high-risk driver insurance costs around $2,778. Teen drivers pay the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Comprehensive $230
Collision $358
Liability $520

Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Optima trim levels.

Price Range from Low to High

For an average driver, Kia Optima insurance prices range from as cheap as $576 for liability-only coverage to a high of $2,778 for a high-risk driver policy.

Liability Only $576
Full Coverage $1,288
High Risk $2,778

Geographic Price Range

Living in a larger city has a large influence on insurance rates. Rural areas have fewer physical damage claims than larger metro areas. The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $966
Small Cities $1,352
Large Cities $1,739

The ranges above illustrate why it is important to get quotes based on a specific location and their own personal driving habits, rather than using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below illustrates average Kia Optima insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $766
  • Choosing higher $1,000 deductibles can save around $1,154 each year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,288
  • Choosing low $100 deductibles for comp and collision coverage will cost $1,544
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,778
  • The price with full coverage for a teenage driver may cost $5,050 each year

View Chart as Image

Kia Optima insurance cost comparison chart
Column chart showing Kia Optima insurance rates range from $766 to $5,050 for full coverage

Car insurance prices for a Kia Optima are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $390 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Kia Optima insurance rates. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,740 on average in Michigan, New York, and Florida.

Kia Optima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,164 -$124 -9.6%
Alaska $986 -$302 -23.4%
Arizona $1,070 -$218 -16.9%
Arkansas $1,288 -$0 0.0%
California $1,466 $178 13.8%
Colorado $1,228 -$60 -4.7%
Connecticut $1,322 $34 2.6%
Delaware $1,458 $170 13.2%
Florida $1,610 $322 25.0%
Georgia $1,190 -$98 -7.6%
Hawaii $924 -$364 -28.3%
Idaho $872 -$416 -32.3%
Illinois $958 -$330 -25.6%
Indiana $970 -$318 -24.7%
Iowa $868 -$420 -32.6%
Kansas $1,222 -$66 -5.1%
Kentucky $1,754 $466 36.2%
Louisiana $1,906 $618 48.0%
Maine $796 -$492 -38.2%
Maryland $1,062 -$226 -17.5%
Massachusetts $1,028 -$260 -20.2%
Michigan $2,232 $944 73.3%
Minnesota $1,078 -$210 -16.3%
Mississippi $1,542 $254 19.7%
Missouri $1,142 -$146 -11.3%
Montana $1,382 $94 7.3%
Nebraska $1,014 -$274 -21.3%
Nevada $1,546 $258 20.0%
New Hampshire $928 -$360 -28.0%
New Jersey $1,438 $150 11.6%
New Mexico $1,140 -$148 -11.5%
New York $1,358 $70 5.4%
North Carolina $742 -$546 -42.4%
North Dakota $1,056 -$232 -18.0%
Ohio $888 -$400 -31.1%
Oklahoma $1,322 $34 2.6%
Oregon $1,178 -$110 -8.5%
Pennsylvania $1,226 -$62 -4.8%
Rhode Island $1,718 $430 33.4%
South Carolina $1,166 -$122 -9.5%
South Dakota $1,086 -$202 -15.7%
Tennessee $1,124 -$164 -12.7%
Texas $1,550 $262 20.3%
Utah $952 -$336 -26.1%
Vermont $882 -$406 -31.5%
Virginia $770 -$518 -40.2%
Washington $994 -$294 -22.8%
West Virginia $1,178 -$110 -8.5%
Wisconsin $890 -$398 -30.9%
Wyoming $1,146 -$142 -11.0%

View Chart as Image

Kia Optima insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Kia Optima Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Optima LX $1,236 $103
Kia Optima EX $1,320 $110
Kia Optima SX $1,320 $110

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.

Kia Optima Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Optima $260 $458 $500 $1,398
2019 Kia Optima $250 $424 $510 $1,364
2018 Kia Optima $240 $400 $514 $1,334
2017 Kia Optima $230 $358 $520 $1,288
2016 Kia Optima $214 $330 $520 $1,244
2015 Kia Optima $206 $310 $524 $1,220
2014 Kia Optima $202 $288 $534 $1,204
2013 Kia Optima $186 $268 $534 $1,168
2011 Kia Optima $170 $222 $534 $1,106
2010 Kia Optima $160 $202 $534 $1,076
2009 Kia Optima $154 $182 $530 $1,046
2008 Kia Optima $152 $178 $520 $1,030
2007 Kia Optima $150 $168 $510 $1,008
2006 Kia Optima $138 $160 $504 $982
2005 Kia Optima $132 $152 $500 $964

Rates are averaged for all Kia Optima models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy More Affordable Kia Optima Insurance

Getting lower rates on auto insurance takes being a safe and courteous driver, having a good credit score, not filing small claims, and possibly raising deductibles. Take the time to compare rates every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a summary of the information covered in the above illustrations.

  • It is possible to save as much as $150 per year just by quoting early and online
  • Teenage drivers are expensive to insure, as much as $421 a month if comprehensive and collision insurance is included
  • Increasing physical damage deductibles could save up to $400 each year
  • Drivers who have multiple accidents or major violations may pay on average $1,490 more each year for auto insurance
  • Consumers who require higher levels of liability will pay about $570 annually to raise limits from a low limit to higher 250/500 limits

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.

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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.

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.

Rates by Driver Age

Kia Optima Insurance Rates by Driver Age
Driver Age Premium
16 $5,050
20 $2,956
30 $1,320
40 $1,288
50 $1,180
60 $1,156

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,544
$250 $1,426
$500 $1,288
$1,000 $1,154

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,288
50/100 $1,424
100/300 $1,554
250/500 $1,892
100 CSL $1,476
300 CSL $1,762
500 CSL $1,970

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $7,152
20 $4,712
30 $2,816
40 $2,778
50 $2,654
60 $2,630

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $176

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $69
Homeowner $21
5-yr Accident Free $85
5-yr Claim Free $82
Paid in Full/EFT $51
Advance Quote $59
Online Quote $89
Total Discounts $522
Rate after discounts $766

Discounts are estimated and may not be available from every company or in every state.

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