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.

Estimated insurance rates for a Kia Optima are $1,288 a year with full coverage. Comprehensive insurance costs on average $230 each year, collision costs $358, and liability costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing $2,778 or more. Teenage drivers pay the most at $5,050 a year or more.

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

These rate differences demonstrate why all drivers should compare prices based on a specific location, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $766
• Using higher $1,000 deductibles will save around $134 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,288
• Using low deductibles for physical damage coverage will cost an additional $256 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,778 or more
• An auto insurance policy that insures a 16-year-old driver may cost $5,050 or more

View Chart as Image

Auto insurance prices for a Kia Optima also have a wide range based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Optima insurance prices. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $390 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2016 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 the Best Kia Optima Insurance

Finding better rates on insurance for a Kia Optima requires being a low-risk driver, maintaining a good credit score, being claim-free, and taking advantage of discounts. Compare prices every year by requesting rates from direct companies, and also from several local insurance agents.

The items below are a brief recap of the coverage data covered in the above illustrations.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $400 each year
• Teen drivers are charged the highest prices, possibly costing $421 per month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations pay on average $1,490 more each year to insure their Optima

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.