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.

U.S. average auto insurance rates for a Kia Optima are $1,244 annually including full coverage. Comprehensive insurance costs an estimated $214, collision costs $330, and liability coverage costs around $520. A policy with just liability insurance costs as low as $576 a year, with coverage for high-risk drivers costing $2,682 or more. Teen drivers pay the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,244

Price estimates broken down by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different Optima trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference location can make on insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Kia Optima insurance rates for other coverage scenarios.

• The lowest rate with discounts is $742
• Using higher $1,000 deductibles will save approximately $124 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,244
• Choosing more expensive low deductibles for physical damage coverage costs an additional $238 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,682 or more
• The price with full coverage for a teenage driver with full coverage can cost as much as $4,916 or more

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can be around 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $370 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Kia Optima insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,770 on average in Louisiana, New York, and Michigan.

View Chart as Image

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

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 Buy More Affordable Kia Optima Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having a good credit history, being claim-free, and taking advantage of discounts. Make time to compare rates every time your policy renews by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a summary of the information touched on in this article.

• You may be able to save approximately $140 per year simply by shopping early and online
• Teenagers are charged the highest prices, possibly costing $410 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $350 each year
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,440 more annually for car insurance
• Consumers who want higher liability limits will pay about $570 per year to increase from a low limit to higher 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.