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 rates for a Kia Optima are $1,288 a year for full coverage. Comprehensive costs an estimated $230 a year, collision costs $358, and liability insurance is $520. Liability-only coverage costs around $576 a year, with high-risk coverage costing around $2,778. Teen drivers cost the most to insure at $5,050 a year or more.

Average premium for full coverage: $1,288

Policy rates broken down by type of insurance:

Prices include $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how location helps determine insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $766
• Raising to $1,000 deductibles will save approximately $1,154 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,288
• Choosing low $100 deductibles bumps up the cost to $1,544
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,778 or more
• Policy cost that insures a teen driver can cost as much as $5,050

View Chart as Image

Insurance rates for a Kia Optima also range considerably based on the trim level of your Optima, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age

Your home state also has a big influence on Kia Optima insurance rates. A middle-age driver might find rates as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $390 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates will be varied.

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 Find the Right Kia Optima Insurance

Finding cheaper rates on Kia Optima insurance consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Shop around once a year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The items below are a quick rundown of the data that was covered in the charts and tables above.

• Drivers can save approximately $150 per year simply by quoting early and online
• Drivers who want more liability coverage will pay about $570 each year to raise from a 30/60 limit to the 250/500 level
• Teen drivers are expensive to insure, costing up to $421 each month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,490 more annually to insure their Optima

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.