Kia Optima Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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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 $1,030 a year for full coverage insurance. Comprehensive insurance costs around $152 a year, collision costs $178, and liability insurance is $520. A policy with just liability insurance costs around $576 a year, with coverage for high-risk drivers costing $2,206 or more. Teens pay the highest rates at $4,226 a year or more.

Average premium for full coverage: $1,030

Price estimates for individual coverage:

Comprehensive $152
Collision $178
Liability $520

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Optima trim levels.

Price Range from Low to High

For the average driver, Kia Optima insurance prices go from the low end price of $576 for the bare minimum liability coverage to a high of $2,206 for a driver who has had serious violations or accidents.

Liability Only $576
Full Coverage $1,030
High Risk $2,206

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance rates.

Rural Areas $773
Small Cities $1,082
Large Cities $1,391

The ranges above illustrate why it is important to compare rates quotes for a specific zip code, rather than relying 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.

Additional Rate Information

The chart below illustrates estimated Kia Optima insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $637
  • Raising to $1,000 deductibles will save about $954 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,030
  • Selecting low $100 deductibles will cost an additional $140 a year
  • Higher-risk drivers with serious driving violations could pay at least $2,206 or more
  • The price that insures a teen driver can be $4,226

View Chart as Image

Kia Optima insurance cost comparison chart
Column chart showing full coverage Kia Optima insurance prices range from $637 to $4,226

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

If you have some driving violations or you caused an accident, you are probably paying at least $1,200 to $1,800 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,200 a year. View Rates by Age

The state you live in also has a big influence on Kia Optima insurance rates. A middle-age driver might find prices as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,390 on average in Michigan, New York, and Florida.

Kia Optima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $930 -$100 -9.7%
Alaska $788 -$242 -23.5%
Arizona $856 -$174 -16.9%
Arkansas $1,030 -$0 0.0%
California $1,172 $142 13.8%
Colorado $982 -$48 -4.7%
Connecticut $1,056 $26 2.5%
Delaware $1,164 $134 13.0%
Florida $1,288 $258 25.0%
Georgia $950 -$80 -7.8%
Hawaii $740 -$290 -28.2%
Idaho $698 -$332 -32.2%
Illinois $766 -$264 -25.6%
Indiana $776 -$254 -24.7%
Iowa $694 -$336 -32.6%
Kansas $976 -$54 -5.2%
Kentucky $1,402 $372 36.1%
Louisiana $1,524 $494 48.0%
Maine $636 -$394 -38.3%
Maryland $848 -$182 -17.7%
Massachusetts $822 -$208 -20.2%
Michigan $1,784 $754 73.2%
Minnesota $862 -$168 -16.3%
Mississippi $1,232 $202 19.6%
Missouri $912 -$118 -11.5%
Montana $1,104 $74 7.2%
Nebraska $812 -$218 -21.2%
Nevada $1,234 $204 19.8%
New Hampshire $742 -$288 -28.0%
New Jersey $1,150 $120 11.7%
New Mexico $908 -$122 -11.8%
New York $1,084 $54 5.2%
North Carolina $594 -$436 -42.3%
North Dakota $844 -$186 -18.1%
Ohio $708 -$322 -31.3%
Oklahoma $1,056 $26 2.5%
Oregon $942 -$88 -8.5%
Pennsylvania $980 -$50 -4.9%
Rhode Island $1,372 $342 33.2%
South Carolina $932 -$98 -9.5%
South Dakota $868 -$162 -15.7%
Tennessee $900 -$130 -12.6%
Texas $1,240 $210 20.4%
Utah $760 -$270 -26.2%
Vermont $706 -$324 -31.5%
Virginia $616 -$414 -40.2%
Washington $794 -$236 -22.9%
West Virginia $942 -$88 -8.5%
Wisconsin $712 -$318 -30.9%
Wyoming $916 -$114 -11.1%

View Chart as Image

Kia Optima insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $220 each year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, so the prices may be quite different.

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 $1,002 $84
Kia Optima EX $1,046 $87
Kia Optima SX $1,046 $87

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 $214 $330 $520 $1,244
2014 Kia Optima $206 $310 $524 $1,220
2013 Kia Optima $202 $288 $534 $1,204
2011 Kia Optima $182 $244 $540 $1,146
2010 Kia Optima $170 $222 $534 $1,106
2009 Kia Optima $160 $202 $534 $1,076
2008 Kia Optima $154 $182 $530 $1,046
2007 Kia Optima $152 $178 $520 $1,030
2006 Kia Optima $150 $168 $510 $1,008
2005 Kia Optima $138 $160 $504 $982

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 More Affordable Kia Optima Insurance

Getting lower rates on Kia Optima insurance consists of having a decent driving record, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare rates every other policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following items are a summary of the ideas that were touched on above.

  • 16 to 18-year-old drivers pay higher prices, as much as $352 a month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,180 more every year than a driver with a clean driving record
  • Increasing physical damage deductibles can save approximately $225 each year
  • It is possible to save up to $110 per year simply by quoting early and online

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 $4,226
20 $2,346
30 $1,038
40 $1,030
50 $946
60 $926

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,170
$250 $1,108
$500 $1,030
$1,000 $954

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,030
50/100 $1,150
100/300 $1,280
250/500 $1,618
100 CSL $1,202
300 CSL $1,488
500 CSL $1,696

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $5,934
20 $3,738
30 $2,218
40 $2,206
50 $2,110
60 $2,090

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 $136

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $56
Homeowner $19
5-yr Accident Free $59
5-yr Claim Free $63
Paid in Full/EFT $34
Advance Quote $43
Online Quote $68
Total Discounts $393
Rate after discounts $637

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

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