Kia Optima Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 30, 2021

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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.

Average insurance rates for a Kia Optima are $1,076 a year for full coverage. Comprehensive costs on average $160 a year, collision costs $202, and liability insurance costs $534. A liability-only policy costs as little as $588 a year, with high-risk insurance costing around $2,312. Teen drivers receive the highest rates at $4,404 a year or more.

Average premium for full coverage: $1,076

Rate estimates by individual coverage type:

Comprehensive $160
Collision $202
Liability $534

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Optima trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $588 for only liability insurance to a high of $2,312 for a high risk driver.

Liability Only $588
Full Coverage $1,076
High Risk $2,312

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $807
Small Cities $1,130
Large Cities $1,453

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $659
  • Drivers who choose higher $1,000 deductibles will pay around $994 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,076
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,230
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,312 or more
  • The cost for full coverage for a teen driver may cost $4,404 a year

View Chart as Image

Kia Optima insurance cost comparison chart
Column chart showing full coverage Kia Optima insurance rates range from $659 to $4,404

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

Older drivers and high deductibles could pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,400 a year. View Rates by Age

Where you live makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $710 a year in states like Idaho, Maine, and Iowa, or as much as $1,540 on average in Michigan, Louisiana, and New York.

Kia Optima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $972 -$104 -9.7%
Alaska $824 -$252 -23.4%
Arizona $894 -$182 -16.9%
Arkansas $1,076 -$0 0.0%
California $1,226 $150 13.9%
Colorado $1,024 -$52 -4.8%
Connecticut $1,106 $30 2.8%
Delaware $1,216 $140 13.0%
Florida $1,346 $270 25.1%
Georgia $994 -$82 -7.6%
Hawaii $772 -$304 -28.3%
Idaho $728 -$348 -32.3%
Illinois $798 -$278 -25.8%
Indiana $812 -$264 -24.5%
Iowa $726 -$350 -32.5%
Kansas $1,022 -$54 -5.0%
Kentucky $1,468 $392 36.4%
Louisiana $1,594 $518 48.1%
Maine $664 -$412 -38.3%
Maryland $888 -$188 -17.5%
Massachusetts $860 -$216 -20.1%
Michigan $1,866 $790 73.4%
Minnesota $902 -$174 -16.2%
Mississippi $1,290 $214 19.9%
Missouri $954 -$122 -11.3%
Montana $1,156 $80 7.4%
Nebraska $850 -$226 -21.0%
Nevada $1,292 $216 20.1%
New Hampshire $776 -$300 -27.9%
New Jersey $1,204 $128 11.9%
New Mexico $952 -$124 -11.5%
New York $1,132 $56 5.2%
North Carolina $620 -$456 -42.4%
North Dakota $882 -$194 -18.0%
Ohio $742 -$334 -31.0%
Oklahoma $1,104 $28 2.6%
Oregon $986 -$90 -8.4%
Pennsylvania $1,024 -$52 -4.8%
Rhode Island $1,434 $358 33.3%
South Carolina $974 -$102 -9.5%
South Dakota $908 -$168 -15.6%
Tennessee $940 -$136 -12.6%
Texas $1,296 $220 20.4%
Utah $796 -$280 -26.0%
Vermont $738 -$338 -31.4%
Virginia $644 -$432 -40.1%
Washington $830 -$246 -22.9%
West Virginia $986 -$90 -8.4%
Wisconsin $744 -$332 -30.9%
Wyoming $958 -$118 -11.0%

View Chart as Image

Kia Optima insurance rates by U.S. city

Choosing high deductibles could save up to $240 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $480 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,044 $87
Kia Optima EX $1,094 $91
Kia Optima SX $1,094 $91

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 $240 $400 $514 $1,334
2014 Kia Optima $230 $358 $520 $1,288
2013 Kia Optima $214 $330 $520 $1,244
2011 Kia Optima $202 $288 $534 $1,204
2010 Kia Optima $186 $268 $534 $1,168
2009 Kia Optima $182 $244 $540 $1,146
2008 Kia Optima $170 $222 $534 $1,106
2007 Kia Optima $160 $202 $534 $1,076
2006 Kia Optima $154 $182 $530 $1,046
2005 Kia Optima $152 $178 $520 $1,030

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 Cheaper Kia Optima Insurance

Saving money on Kia Optima insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $225 each year
  • Drivers can save as much as $120 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $590 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $367 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,240 more each year for 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.

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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 $4,404
20 $2,460
30 $1,090
40 $1,076
50 $988
60 $968

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,230
$250 $1,160
$500 $1,076
$1,000 $994

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,076
50/100 $1,201
100/300 $1,334
250/500 $1,681
100 CSL $1,254
300 CSL $1,548
500 CSL $1,762

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $6,192
20 $3,922
30 $2,326
40 $2,312
50 $2,214
60 $2,190

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 $143

Potential Rate Discounts

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

Discount Savings
Multi-policy $54
Multi-vehicle $58
Homeowner $20
5-yr Accident Free $63
5-yr Claim Free $67
Paid in Full/EFT $37
Advance Quote $46
Online Quote $72
Total Discounts $417
Rate after discounts $659

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

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