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.

U.S. average insurance prices for a Kia Optima are $1,288 every 12 months including full coverage. Comprehensive costs on average $230, collision insurance costs $358, and liability costs $520. A policy with just liability insurance costs as little as $576 a year, and coverage for high-risk drivers costs around $2,778. Teens pay the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Optima models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how your location can change car insurance rates.

The ranges above highlight why everyone should compare rates based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below breaks down average Kia Optima insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $766
• Drivers who choose higher $1,000 deductibles will pay around $134 every year
• The average price for the average middle-age driver with $500 deductibles is $1,288
• Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,544
• Drivers with serious driving violations could pay upwards of $2,778
• The price to insure a 16-year-old driver for full coverage may cost $5,050 a year

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Optima.

Choosing higher comprehensive and collision insurance deductibles could save up to $390 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,200 extra each year, depending on your age. Kia Optima insurance for high-risk drivers can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for the Best Cheap Kia Optima Insurance

Getting lower rates on insurance for a Kia Optima not only requires being safe and accident-free, but also having good credit, being claim-free, and determing if full coverage is necessary. Invest the time to shop around every year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a quick review of the coverage data illustrated above.

• You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save as much as $400 each year
• Youthful drivers pay the highest prices, possibly costing $421 a month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,490 more each year than a low-risk 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.

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.