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.

The average insurance rates for a Kia Optima are $1,288 a year with full coverage. Comprehensive insurance costs on average $230, collision costs $358, and liability insurance is $520. Liability-only insurance costs around $576 a year, with high-risk driver insurance costing $2,778 or more. Teenage drivers cost the most to insure at $5,050 a year or more.

Average premium for full coverage: $1,288

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Optima models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities.

The example below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why everyone should compare rates quotes based on a specific location and risk profile, rather than relying on average rates.

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

More Rate Details

The chart below details estimated Kia Optima insurance rates for different risk profiles and scenarios.

• The best discount rate is $766
• Raising to $1,000 deductibles will save around $134 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,288
• Using pricier low deductibles will cost an extra $256 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,778 or more
• Policy cost for full coverage for a teen driver for full coverage may cost $5,050

View Chart as Image

Auto insurance rates for a Kia Optima also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age

Your home state also has a big influence on Kia Optima insurance rates. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $390 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,200 in extra premium every year, depending on your age. Kia Optima insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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 Find Affordable Kia Optima Insurance

Finding cheaper rates on Kia Optima insurance consists of being a low-risk driver, having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates every time your policy renews by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a brief review of the information covered in the above illustrations.

• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Teen drivers are charged the highest rates, as much as $421 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $400 each year
• High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,490 more each year to insure their Optima
• Drivers who require more liability coverage will pay an extra $570 every year to raise from a 30/60 limit to 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.