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Kia Optima EX Insurance Rates

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Estimated insurance rates for a Kia Optima EX are $1,502 a year with full coverage. Comprehensive costs on average $340, collision costs $572, and liability insurance costs $410. A policy with only liability insurance costs as little as $486 a year, with a high-risk policy costing around $3,228. Teen drivers pay the most at $5,536 a year or more.

Annual premium for full coverage: $1,502

Premium estimates by type of insurance:

Comprehensive $340
Collision $572
Liability $410

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Kia Optima Trim Level

For the average driver, insurance rates for a Kia Optima EX go from the low end price of $486 for basic liability insurance to a much higher rate of $3,228 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,502
High Risk $3,228

Insurance Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than larger metro areas.

The price range example below illustrates how location impacts car insurance rates.

Rural Areas $1,127
Small Cities $1,577
Large Cities $2,028

These rate differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location, rather than relying on price averages.

Use the form below to get rates for your location.

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

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Car insurance rates for a Kia Optima EX also have a wide range based on the model year, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,500 a year. View Rates by Age

Where you choose to live makes a big difference in Kia Optima EX insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $610 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $369 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to find out exactly what you will pay is to compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be substantially different.

View Chart as Image

Kia Optima EX insurance cost comparison chart
Column chart showing Kia Optima EX insurance prices range from $874 to $5,536 for full coverage

The chart above shows Kia Optima EX insurance prices for different risks and coverage choices. The lowest price with discounts is $874. Drivers who choose higher $1,000 deductibles will pay $1,294. The average price for a 40-year-old male driver using $500 deductibles is $1,502. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,902. High risk drivers could be charged up to $3,228. The price for full coverage insurance for a teen driver is $5,536.

Kia Optima EX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,358 -$144 -9.6%
Alaska $1,152 -$350 -23.3%
Arizona $1,246 -$256 -17.0%
Arkansas $1,502 -$0 0.0%
California $1,712 $210 14.0%
Colorado $1,434 -$68 -4.5%
Connecticut $1,544 $42 2.8%
Delaware $1,700 $198 13.2%
Florida $1,880 $378 25.2%
Georgia $1,388 -$114 -7.6%
Hawaii $1,076 -$426 -28.4%
Idaho $1,018 -$484 -32.2%
Illinois $1,118 -$384 -25.6%
Indiana $1,132 -$370 -24.6%
Iowa $1,014 -$488 -32.5%
Kansas $1,426 -$76 -5.1%
Kentucky $2,048 $546 36.4%
Louisiana $2,224 $722 48.1%
Maine $928 -$574 -38.2%
Maryland $1,238 -$264 -17.6%
Massachusetts $1,198 -$304 -20.2%
Michigan $2,608 $1,106 73.6%
Minnesota $1,258 -$244 -16.2%
Mississippi $1,800 $298 19.8%
Missouri $1,332 -$170 -11.3%
Montana $1,614 $112 7.5%
Nebraska $1,184 -$318 -21.2%
Nevada $1,802 $300 20.0%
New Hampshire $1,084 -$418 -27.8%
New Jersey $1,680 $178 11.9%
New Mexico $1,330 -$172 -11.5%
New York $1,582 $80 5.3%
North Carolina $864 -$638 -42.5%
North Dakota $1,230 -$272 -18.1%
Ohio $1,036 -$466 -31.0%
Oklahoma $1,542 $40 2.7%
Oregon $1,376 -$126 -8.4%
Pennsylvania $1,432 -$70 -4.7%
Rhode Island $2,004 $502 33.4%
South Carolina $1,362 -$140 -9.3%
South Dakota $1,268 -$234 -15.6%
Tennessee $1,314 -$188 -12.5%
Texas $1,808 $306 20.4%
Utah $1,110 -$392 -26.1%
Vermont $1,026 -$476 -31.7%
Virginia $898 -$604 -40.2%
Washington $1,160 -$342 -22.8%
West Virginia $1,376 -$126 -8.4%
Wisconsin $1,040 -$462 -30.8%
Wyoming $1,338 -$164 -10.9%

View Chart as Image

Kia Optima EX insurance rates by U.S. city

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Rates by Driver Age

Kia Optima EX Insurance Rates by Driver Age
Driver Age Premium
16 $5,536
20 $3,444
30 $1,568
40 $1,502
50 $1,370
60 $1,342

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima EX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,902
$250 $1,716
$500 $1,502
$1,000 $1,294

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima EX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,502
50/100 $1,584
100/300 $1,687
250/500 $1,953
100 CSL $1,625
300 CSL $1,851
500 CSL $2,015

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima EX Insurance Rates for High Risk Drivers
Age Premium
16 $7,892
20 $5,462
30 $3,302
40 $3,228
50 $3,078
60 $3,048

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 $204

Potential Rate Discounts

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

Discount Savings
Multi-policy $79
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $109
5-yr Claim Free $96
Paid in Full/EFT $68
Advance Quote $73
Online Quote $106
Total Discounts $628
Rate after discounts $874

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

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