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 for full coverage. Comprehensive insurance costs on average $230, collision insurance costs $358, and liability insurance costs around $520. A policy with just liability insurance costs as low as $576 a year, and coverage for high-risk drivers costs $2,778 or more. 16-year-old drivers 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, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different Optima trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than congested cities. The price range example below illustrates how where you live affects car insurance rates.

The ranges above show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $766
• Using higher $1,000 deductibles will save around $134 a year
• The average price for the average middle-age driver with $500 deductibles is $1,288
• Buying more expensive low deductibles for physical damage coverage costs an extra $256 a year
• Drivers with multiple tickets or accidents could pay upwards of $2,778
• The price to insure a teen driver with full coverage may cost $5,050 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut prices by as much as $390 each year, while increasing your policy's liability limits will cost you more. Going 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

An older driver with a clean driving record and higher deductibles could pay as little as $1,200 a year for full coverage. Prices are highest 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 could be paying at a minimum $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Kia Optima insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Idaho, Maine, and Iowa, or at least $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Shop for the Best Cheap Kia Optima Insurance

Getting lower rates on Kia Optima insurance requires being safe and accident-free, having good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Take the time to comparison shop once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a quick review of the data that was touched on in the above illustrations.

• Drivers can save as much as $150 per year just by shopping early and online
• Drivers who require more liability protection will pay around $570 each year to increase from a low limit to a 250/500 level
• Youthful drivers pay the highest prices, with premiums as much as $421 a month if they have full coverage
• High-risk drivers with a DUI or reckless driving violation pay an average of $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.