Kia Optima Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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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.

Estimated insurance rates for a Kia Optima are $1,046 a year with full coverage. Comprehensive costs around $154, collision costs $182, and liability costs $530. Liability-only insurance costs as little as $584 a year, with high-risk driver insurance costing around $2,242. 16-year-old drivers pay the most at $4,294 a year or more.

Average premium for full coverage: $1,046

Premium estimates for type of coverage:

Comprehensive $154
Collision $182
Liability $530

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all Optima models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Kia Optima go from the low end price of $584 for just the minimum liability insurance to the much higher price of $2,242 for a policy for a high-risk driver.

Liability Only $584
Full Coverage $1,046
High Risk $2,242

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than congested cities.

The example below illustrates how location helps determine auto insurance rates.

Rural Areas $785
Small Cities $1,098
Large Cities $1,412

These rate differences demonstrate why everyone should compare rates for a specific zip code, instead of making a decision based on rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below details estimated Kia Optima insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $645
  • Drivers who choose higher $1,000 deductibles will pay about $76 annually
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,046
  • Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,190
  • Drivers with multiple tickets or accidents could pay at least $2,242 or more
  • An auto insurance policy that insures a 16-year-old driver for full coverage can be $4,294 a year

View Chart as Image

Kia Optima insurance cost comparison chart
Column chart showing full coverage Kia Optima insurance rates range from $645 to $4,294

Insurance prices for a Kia Optima also have a wide range based on the model of your Optima, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,200 to $1,800 additional annually, depending on your age. Kia Optima insurance for high-risk drivers can cost from 42% to 127% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $4,200 a year. View Rates by Age

Where you choose to live makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay as low as $750 a year in states like New Hampshire, Ohio, and Utah, or at least $1,410 on average in Florida, Michigan, and New York.

Kia Optima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $944 -$102 -9.8%
Alaska $802 -$244 -23.3%
Arizona $868 -$178 -17.0%
Arkansas $1,046 -$0 0.0%
California $1,190 $144 13.8%
Colorado $998 -$48 -4.6%
Connecticut $1,072 $26 2.5%
Delaware $1,184 $138 13.2%
Florida $1,308 $262 25.0%
Georgia $966 -$80 -7.6%
Hawaii $748 -$298 -28.5%
Idaho $706 -$340 -32.5%
Illinois $778 -$268 -25.6%
Indiana $788 -$258 -24.7%
Iowa $704 -$342 -32.7%
Kansas $990 -$56 -5.4%
Kentucky $1,424 $378 36.1%
Louisiana $1,546 $500 47.8%
Maine $646 -$400 -38.2%
Maryland $864 -$182 -17.4%
Massachusetts $834 -$212 -20.3%
Michigan $1,812 $766 73.2%
Minnesota $876 -$170 -16.3%
Mississippi $1,254 $208 19.9%
Missouri $926 -$120 -11.5%
Montana $1,122 $76 7.3%
Nebraska $824 -$222 -21.2%
Nevada $1,256 $210 20.1%
New Hampshire $754 -$292 -27.9%
New Jersey $1,168 $122 11.7%
New Mexico $924 -$122 -11.7%
New York $1,100 $54 5.2%
North Carolina $600 -$446 -42.6%
North Dakota $856 -$190 -18.2%
Ohio $722 -$324 -31.0%
Oklahoma $1,072 $26 2.5%
Oregon $958 -$88 -8.4%
Pennsylvania $996 -$50 -4.8%
Rhode Island $1,394 $348 33.3%
South Carolina $948 -$98 -9.4%
South Dakota $882 -$164 -15.7%
Tennessee $914 -$132 -12.6%
Texas $1,258 $212 20.3%
Utah $772 -$274 -26.2%
Vermont $716 -$330 -31.5%
Virginia $624 -$422 -40.3%
Washington $806 -$240 -22.9%
West Virginia $958 -$88 -8.4%
Wisconsin $722 -$324 -31.0%
Wyoming $932 -$114 -10.9%

View Chart as Image

Kia Optima insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $220 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $477 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to regularly compare prices from multiple companies. Every company utilizes a different rate formula, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Kia Optima Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Optima LX $1,018 $85
Kia Optima EX $1,064 $89
Kia Optima SX $1,064 $89

Rates assume 2007 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.

Kia Optima Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Kia Optima $230 $358 $520 $1,288
2014 Kia Optima $214 $330 $520 $1,244
2013 Kia Optima $206 $310 $524 $1,220
2011 Kia Optima $186 $268 $534 $1,168
2010 Kia Optima $182 $244 $540 $1,146
2009 Kia Optima $170 $222 $534 $1,106
2008 Kia Optima $160 $202 $534 $1,076
2007 Kia Optima $154 $182 $530 $1,046
2006 Kia Optima $152 $178 $520 $1,030
2005 Kia Optima $150 $168 $510 $1,008

Rates are averaged for all Kia Optima models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Kia Optima Insurance

Finding better rates on insurance for a Kia Optima not only requires being a good driver, but also having a good credit score, being claim-free, and taking advantage of discounts. Comparison shop every year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The following list is a brief recap of the coverage data covered in the charts and tables above.

  • You may be able to save up to $110 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $225 each year
  • Drivers age 16 to 20 are charged the highest prices, possibly costing $358 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,200 more every year than a safer driver

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.

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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.

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.

Rates by Driver Age

Kia Optima Insurance Rates by Driver Age
Driver Age Premium
16 $4,294
20 $2,386
30 $1,056
40 $1,046
50 $962
60 $942

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,190
$250 $1,124
$500 $1,046
$1,000 $970

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,046
50/100 $1,170
100/300 $1,303
250/500 $1,647
100 CSL $1,223
300 CSL $1,515
500 CSL $1,727

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $6,028
20 $3,800
30 $2,254
40 $2,242
50 $2,146
60 $2,124

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $138

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $52
Multi-vehicle $57
Homeowner $19
5-yr Accident Free $60
5-yr Claim Free $65
Paid in Full/EFT $35
Advance Quote $44
Online Quote $69
Total Discounts $401
Rate after discounts $645

Discounts are estimated and may not be available from every company or in every state.

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