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 a year, collision insurance costs $358, and liability coverage is $520. A policy with only liability insurance costs around $576 a year, and a high-risk policy costs $2,778 or more. Teenage drivers pay the most at up to $5,050 a year.

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Optima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

These rate differences demonstrate why it is important to compare rates quotes based on a specific location, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $766
• Raising to $1,000 deductibles will save around $1,154 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,288
• Using low $100 deductibles will cost an additional $256 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,778
• An auto insurance policy that insures a teenage driver may cost $5,050

View Chart as Image

Car insurance prices for a Kia Optima also have a wide range based on the trim level of your Optima, 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 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,000 a year. View Rates by Age

Where you choose to live also has a big influence on Kia Optima insurance rates. A middle-age driver might find 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 can reduce prices by up to $390 a year, while buying higher 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 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2017 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 Cheapest Kia Optima Insurance

Finding better rates on auto insurance consists of being a safe and courteous driver, having a positive credit history, being claim-free, and possibly raising deductibles. Compare prices every time your policy renews by requesting rates from direct companies, and also from several local insurance agents.

Below is a recap of the information covered in the charts and tables above.

• You may be able to save as much as $150 per year just by quoting early and online
• Teenage drivers are expensive to insure, possibly costing $421 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $400 each year
• Drivers that have major violations or accidents pay on average $1,490 more each year for auto insurance
• Consumers who require higher levels of liability will pay an extra $570 every year to raise from 30/60 bodily injury limits to the 250/500 level

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.