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 including full coverage. Comprehensive insurance costs an estimated $230 a year, collision insurance costs $358, and liability costs around $520. Liability-only insurance costs as low as $576 a year, and high-risk driver insurance costs $2,778 or more. Teen drivers cost the most to insure at up to $5,050 a year.

Average premium for full coverage: $1,288

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference location can make on insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and their own driving history, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $766
• Using higher $1,000 deductibles will save approximately $1,154 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,288
• Choosing low $100 deductibles for physical damage coverage costs an extra $256 every year
• Drivers with multiple violations and an at-fault accident could pay up to $2,778
• Policy cost to insure a teen driver can cost as much as $5,050 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $390 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $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 are likely paying $1,500 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than average. View High Risk Driver Rates

Your home state has a huge impact on Kia Optima insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,840 on average in Louisiana, New York, and Michigan.

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 the Right Kia Optima Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Make time to compare rates at every other renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a quick rundown of the concepts that were touched on in this article.

• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,490 more annually for car insurance
• Teenagers are the costliest to insure, with premiums being up to $421 each month if comprehensive and collision insurance is included
• You may be able to save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• You may be able to save approximately $150 per year just by quoting early and online

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.