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 insurance prices for a Kia Optima are $1,046 every 12 months for full coverage. Comprehensive costs around $154 each year, collision costs $182, and liability costs $530. A liability-only policy costs as little as $584 a year, with high-risk insurance costing around $2,242. Teen drivers receive the highest rates at $4,294 a year or more.

Average premium for full coverage: $1,046

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Optima models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance rates.

These examples show why all drivers should compare rates for a specific zip code and their own driving history, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $645
• Drivers who choose higher $1,000 deductibles will pay about $76 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,046
• Choosing low deductibles for comprehensive and collision insurance increases the price to $1,190
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,242 or more
• The cost to insure a teen driver can be $4,294 a year

View Chart as Image

Insurance rates for a Kia Optima can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing high deductibles could save up to $220 every year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $477 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $4,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,200 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 127% more than average. View High Risk Driver Rates

Where you live makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay as low as $690 a year in states like Idaho, Maine, and Iowa, or as much as $1,490 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so the rates can be significantly different.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Cheap Kia Optima Insurance

Saving money on car insurance not only requires avoiding accidents and claims, but also having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a brief summary of the material that was raised in the charts and tables above.

• Policyholders who may need increased liability limits will pay about $580 each year to go from a minimum limit to a 250/500 level
• Drivers under the age of 20 pay higher rates, costing as high as $358 per month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,200 more every year to insure a Kia Optima
• Increasing deductibles could save as much as $225 each year

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.