Kia Optima Insurance Rates
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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.
U.S. average insurance rates for a Kia Optima are $1,046 a year for full coverage. Comprehensive costs on average $154, collision insurance costs $182, and liability is $530. Buying just liability costs around $584 a year, and insurance for high-risk drivers costs around $2,242. Teens pay the highest rates at up to $4,294 a year.
Average premium for full coverage: $1,046
Price estimates by individual coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all Optima models.
Price Range from Low to High
For the average driver, Kia Optima insurance prices range from as low as $584 for just liability coverage to the much higher price of $2,242 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how location impacts car insurance rates.
The ranges above show why everyone should compare rates quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.
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.
Detailed Rate Analysis
The chart below shows average Kia Optima insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $645
- Raising to $1,000 deductibles will save around $76 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,046
- Selecting pricier low deductibles will increase the cost to $1,190
- Drivers with serious driving violations could pay upwards of $2,242
- The price for full coverage for a 16-year-old driver for full coverage may cost $4,294
Insurance prices for a Kia Optima are also quite variable based on your driving record, the trim level of your Optima, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $4,200 a year. View Rates by Age
The state you live in also has a big influence on Kia Optima insurance prices. A middle-age driver might find prices as low as $690 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,490 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $220 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $477 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,200 to $1,800 additional each year, depending on your age. Kia Optima insurance for high-risk drivers is expensive and can cost from 42% to 127% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Kia Optima LX||$1,018||$85|
|Kia Optima EX||$1,064||$89|
|Kia Optima SX||$1,064||$89|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2015 Kia Optima||$230||$358||$520||$1,288|
|2014 Kia Optima||$214||$330||$520||$1,244|
|2013 Kia Optima||$206||$310||$524||$1,220|
|2011 Kia Optima||$186||$268||$534||$1,168|
|2010 Kia Optima||$182||$244||$540||$1,146|
|2009 Kia Optima||$170||$222||$534||$1,106|
|2008 Kia Optima||$160||$202||$534||$1,076|
|2007 Kia Optima||$154||$182||$530||$1,046|
|2006 Kia Optima||$152||$178||$520||$1,030|
|2005 Kia Optima||$150||$168||$510||$1,008|
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 the Best Cheap Kia Optima Insurance
Getting lower rates on insurance for a Kia Optima consists of avoiding accidents and claims, having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around at least every other year by getting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The points below are a quick review of the car insurance concepts touched on above.
- Drivers considered higher risk with a DUI or reckless driving violation will pay on average $1,200 more each year to insure a Kia Optima
- Drivers can save as much as $110 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $225 each year
- Insureds who require increased liability limits will pay approximately $580 each year to raise from a low limit to 250/500 limits
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$60|
|5-yr Claim Free||$65|
|Paid in Full/EFT||$35|
Discounts are estimated and may not be available from every company or in every state.
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