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.

The average insurance rates for a Kia Optima are $1,288 a year including full coverage. Comprehensive insurance costs approximately $230 a year, collision insurance costs $358, and liability coverage costs $520. Buying just liability costs as little as $576 a year, and insurance for high-risk drivers costs $2,778 or more. Teen drivers cost the most to insure at up to $5,050 a year.

Average premium for full coverage: $1,288

Policy rates by type of insurance:

Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

The examples above highlight why it is important to compare rates using their specific location, rather than using price averages.

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

Rate Comparisons

The chart below breaks down average Kia Optima insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $766
• Drivers who choose higher $1,000 deductibles will pay $1,154 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,288
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an additional $256 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,778
• Policy cost that insures a teenage driver can cost $5,050 a year

View Chart as Image

Insurance rates for a Kia Optima also range considerably based on the trim level of your Optima, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $390 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more per year. 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 Right Kia Optima Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around at every other renewal by requesting rates from direct car insurance companies, and also from local auto insurance providers.

The items below are a quick rundown of the concepts that were covered in the charts and tables above.

• Drivers with reckless driving or DUI convictions will likely pay on average $1,490 more per year to insure their Optima
• Teen drivers are expensive to insure, with premiums being up to $421 each month if full coverage is included
• You may be able to save around $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• You may be able to save around $150 per year just 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.

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.