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.

Average auto insurance rates for a Kia Optima are $1,244 annually including full coverage. Comprehensive insurance costs an estimated $214 each year, collision costs $330, and liability is $520. Liability-only coverage costs around $576 a year, with high-risk coverage costing $2,682 or more. Teen drivers receive the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,244

Rate estimates broken down by individual coverage type:

Rate estimates include $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Optima models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

These examples highlight why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on 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
• Raising to $1,000 deductibles will save approximately $124 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,244
• Choosing low deductibles costs an additional $238 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,682 or more
• The cost with full coverage for a 16-year-old driver can cost as much as $4,916

View Chart as Image

Car insurance rates for a Kia Optima can also vary considerably based on the trim level of your Optima, your driving characteristics, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $370 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Kia Optima insurance prices. A middle-age driver might find rates 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

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly 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 the Best Kia Optima Insurance

Saving money on insurance for a Kia Optima consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to compare rates every year by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following is a brief recap of the coverage data presented in the illustrations above.

• You may be able to save approximately $140 per year simply by quoting online in advance
• Increasing deductibles could save up to $350 each year
• Teens have the highest car insurance rates, as much as $410 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,440 more annually for Optima insurance

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.