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 insurance prices for a Kia Optima are $1,288 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $230, collision costs $358, and liability is $520. A policy with just liability insurance costs around $576 a year, with coverage for high-risk drivers costing $2,778 or more. 16-year-old drivers receive the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Optima models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities.

The example below illustrates the difference location can make on insurance prices.

These examples illustrate why everyone should compare rates quotes for a targeted area and their own driving history, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $766
• Raising to $1,000 deductibles will save approximately $134 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,288
• Buying pricier low deductibles costs an extra $256 every year
• At-risk drivers with multiple tickets or accidents could pay up to $2,778 or more
• The cost to insure a teen driver for full coverage can cost as much as $5,050

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Insurance rates for a Kia Optima can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles can reduce rates by up to $390 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,500 to $2,200 additional per year, depending on your age. Kia Optima insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Kia Optima insurance prices. A middle-age driver might find rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates can be significantly different.

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 Shop for Cheaper Kia Optima Insurance

Saving money on car insurance consists of avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates at every policy renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the data touched on in this article.

• Policyholders who want increased liability limits will pay around $570 annually to raise from a minimum limit to a 250/500 level
• It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $400 each year
• Drivers under the age of 20 are expensive to insure, costing up to $421 per month if full coverage is included

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.