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 insurance rates for a Kia Optima are $1,288 a year with full coverage. Comprehensive insurance costs on average $230, collision insurance costs $358, and liability is estimated at $520. A policy with just liability insurance costs approximately $576 a year, and coverage for high-risk drivers costs $2,778 or more. Teens pay the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Optima trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should get quotes based on a specific location, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below details average Kia Optima insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $766
• Choosing higher $1,000 deductibles can save around $134 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,288
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $256 annually
• Higher-risk drivers with serious driving violations could pay upwards of $2,778
• The price that insures a 16-year-old driver with full coverage may cost $5,050 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance ranges from 44% to 130% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

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 Cheap Kia Optima Insurance

Getting lower rates on insurance for a Kia Optima takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Compare rates every year by quoting rates from direct companies, and also from several local insurance agents.

The following items are a brief summary of the coverage data touched on in this article.

• You may be able to save as much as $150 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $400 each year
• 16 to 18-year-old drivers pay the highest prices, costing up to $421 a month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,490 more each year than a driver with a clean driving record

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.