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Kia Optima LX Insurance Rates

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U.S. average insurance prices for a Kia Optima LX are $1,378 every 12 months with full coverage. Comprehensive costs approximately $312 a year, collision insurance costs $476, and liability costs around $410. Liability-only insurance costs as low as $486 a year, and high-risk driver insurance costs around $2,948. Teenage drivers pay the highest rates at up to $5,124 a year.

Annual premium for full coverage: $1,378

Price estimates by individual coverage type:

Comprehensive $312
Collision $476
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, Kia Optima LX insurance prices range from the cheapest price of $486 for the bare minimum liability coverage to a high of $2,948 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,378
High Risk $2,948

Geographic Price Range

Where you live can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

These price ranges demonstrate why it is important for drivers to compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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 LX are also quite variable based on deductibles and policy limits, your driving record, and the replacement cost of your Optima.

Using high physical damage deductibles could cut rates by as much as $530 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $369 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Kia Optima LX insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay 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 rates can be so different, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes may be quite different.

View Chart as Image

Kia Optima LX insurance cost comparison chart
Column chart showing Kia Optima LX insurance prices range from $814 to $5,124 for full coverage

The chart above shows Kia Optima LX insurance rates for various coverage choices and risks. The cheapest discount rate is $814. Drivers who use higher $1,000 deductibles will pay $1,200. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,378. Choosing low $100 deductibles for comp and collision coverage could cost up to $1,724. Drivers with multiple violations and accidents could be charged at least $2,948. The cost for full coverage insurance for a teenager can be as high as $5,124.

Kia Optima LX Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,246 -$132 -9.6%
Alaska $1,058 -$320 -23.2%
Arizona $1,146 -$232 -16.8%
Arkansas $1,378 -$0 0.0%
California $1,572 $194 14.1%
Colorado $1,316 -$62 -4.5%
Connecticut $1,418 $40 2.9%
Delaware $1,562 $184 13.4%
Florida $1,726 $348 25.3%
Georgia $1,274 -$104 -7.5%
Hawaii $988 -$390 -28.3%
Idaho $934 -$444 -32.2%
Illinois $1,028 -$350 -25.4%
Indiana $1,042 -$336 -24.4%
Iowa $932 -$446 -32.4%
Kansas $1,308 -$70 -5.1%
Kentucky $1,880 $502 36.4%
Louisiana $2,042 $664 48.2%
Maine $852 -$526 -38.2%
Maryland $1,138 -$240 -17.4%
Massachusetts $1,100 -$278 -20.2%
Michigan $2,396 $1,018 73.9%
Minnesota $1,156 -$222 -16.1%
Mississippi $1,652 $274 19.9%
Missouri $1,224 -$154 -11.2%
Montana $1,482 $104 7.5%
Nebraska $1,088 -$290 -21.0%
Nevada $1,654 $276 20.0%
New Hampshire $996 -$382 -27.7%
New Jersey $1,544 $166 12.0%
New Mexico $1,220 -$158 -11.5%
New York $1,454 $76 5.5%
North Carolina $794 -$584 -42.4%
North Dakota $1,130 -$248 -18.0%
Ohio $952 -$426 -30.9%
Oklahoma $1,416 $38 2.8%
Oregon $1,262 -$116 -8.4%
Pennsylvania $1,314 -$64 -4.6%
Rhode Island $1,840 $462 33.5%
South Carolina $1,252 -$126 -9.1%
South Dakota $1,164 -$214 -15.5%
Tennessee $1,208 -$170 -12.3%
Texas $1,660 $282 20.5%
Utah $1,020 -$358 -26.0%
Vermont $944 -$434 -31.5%
Virginia $826 -$552 -40.1%
Washington $1,066 -$312 -22.6%
West Virginia $1,264 -$114 -8.3%
Wisconsin $954 -$424 -30.8%
Wyoming $1,228 -$150 -10.9%

View Chart as Image

Kia Optima LX insurance rates by U.S. city

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Rates by Driver Age

Kia Optima LX Insurance Rates by Driver Age
Driver Age Premium
16 $5,124
20 $3,142
30 $1,434
40 $1,378
50 $1,258
60 $1,232

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima LX Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,724
$250 $1,566
$500 $1,378
$1,000 $1,200

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima LX Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,378
50/100 $1,460
100/300 $1,563
250/500 $1,829
100 CSL $1,501
300 CSL $1,727
500 CSL $1,891

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima LX Insurance Rates for High Risk Drivers
Age Premium
16 $7,282
20 $4,978
30 $3,010
40 $2,948
50 $2,810
60 $2,782

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 $183

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $96
5-yr Claim Free $86
Paid in Full/EFT $60
Advance Quote $65
Online Quote $96
Total Discounts $564
Rate after discounts $814

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

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