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 including full coverage. Comprehensive costs on average $230, collision costs $358, and liability coverage costs $520. Buying just liability costs as little as $576 a year, with insurance for high-risk drivers costing around $2,778. Teenage drivers cost the most to insure at $5,050 a year or more.

Average premium for full coverage: $1,288

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Optima models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects car insurance rates.

The examples above highlight why everyone should compare rates based on a specific location, rather than using average rates.

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

Additional Rate Details

The chart below breaks down estimated Kia Optima insurance rates for different risk profiles and scenarios.

• The best discount rate is $766
• Drivers who choose higher $1,000 deductibles will pay around $134 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,288
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,544
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,778 or more
• Policy cost that insures a teenage driver for full coverage may cost $5,050 a year

View Chart as Image

Insurance rates for a Kia Optima also range considerably based on the model of your Optima, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,500 to $2,200 extra every year, depending on your age. Kia Optima insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,000 a year. View Rates by Age

Your home state makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $390 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so the 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 More Affordable Kia Optima Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Compare prices at least once a year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The items below are a summary of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,490 more each year to insure their Optima
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Teen drivers pay the highest rates, with premiums being up to $421 each month if full coverage is included

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.