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 prices for a Kia Optima are $1,288 every 12 months with full coverage. Comprehensive costs around $230, collision insurance costs $358, and liability costs $520. A liability-only policy costs as little as $576 a year, and high-risk insurance costs around $2,778. Teenage drivers cost the most to insure at up to $5,050 a year.

Average premium for full coverage: $1,288

Policy rates for type of insurance:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Optima models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why everyone should compare rates for a specific zip code and their own driving history, instead of using average rates.

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

Additional Charts and Tables

The chart below details average Kia Optima insurance rates for additional coverage choices and driver risks.

• The best discount rate is $766
• Drivers who choose higher $1,000 deductibles will pay about $134 annually
• The average price for a good driver age 40 using $500 deductibles is $1,288
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,544
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,778
• Policy cost to insure a teen driver for full coverage can be $5,050 a year

View Chart as Image

Car insurance rates for a Kia Optima also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Using high physical damage deductibles could save up to $390 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,500 to $2,200 extra every year, depending on your age. Kia Optima insurance for high-risk drivers can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay 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

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

Finding cheaper rates on car insurance not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct companies, and also from several local insurance agents.

The following items are a condensed summary of the information presented in the illustrations above.

• You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers are the costliest to insure, as much as $421 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Higher risk drivers with multiple at-fault accidents pay on average $1,490 more every year than a driver with a clean driving record
• Policyholders who may need additional liability coverage will pay an extra $570 every year to go from a 30/60 limit to a 250/500 level

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.