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 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:

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

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.

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.

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

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.

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 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.

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.