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Kia Optima SX Insurance Rates

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U.S. average auto insurance rates for a Kia Optima SX are $1,502 annually with full coverage. Comprehensive costs approximately $340 each year, collision insurance costs $572, and liability coverage costs $410. Buying just liability costs as little as $486 a year, and insurance for high-risk drivers costs around $3,228. Teen drivers pay the highest rates at up to $5,536 a year.

Annual premium for full coverage: $1,502

Price estimates by individual coverage:

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 a 40-year-old driver, Kia Optima SX insurance prices range from as cheap as $486 for just liability insurance to a high rate of $3,228 for high-risk insurance.

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

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have fewer collision claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.

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

These price ranges demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, rather than using 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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Insurance prices for a Kia Optima SX are also quite variable based on the actual cash value of your Optima, your driving record, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,400 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,800 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $610 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $369 more each year. View Rates by Deductible or Liability Limit

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

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, and rates may be quite different between companies.

View Chart as Image

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

The chart above shows Kia Optima SX insurance prices for various situations. The cheapest price with discounts is $874. Drivers who choose higher $1,000 deductibles will pay about $1,294. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,502. Using lower $100 deductibles for comp and collision coverage can cost as much as $1,902. High risk drivers could be charged at least $3,228. The policy rate for full coverage insurance for a teenager is $5,536.

Kia Optima SX 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 SX insurance rates by U.S. city

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Rates by Driver Age

Kia Optima SX 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 SX 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 SX 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 SX 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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