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.

Average insurance rates for a Kia Optima are $1,244 a year for full coverage. Comprehensive costs around $214 each year, collision costs $330, and liability is estimated at $520. Buying just liability costs approximately $576 a year, with insurance for high-risk drivers costing around $2,682. 16-year-old drivers receive the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,244

Rate estimates for individual coverage type:

Estimates include $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Optima models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why all drivers should get quotes for a specific zip code, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $742
• Choosing higher $1,000 deductibles can save about $124 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,244
• Buying low deductibles for comp and collision coverage bumps up the cost to $1,482
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,682 or more
• The cost that insures a 16-year-old driver can be $4,916 each year

View Chart as Image

Auto insurance rates for a Kia Optima can also vary considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges from 43% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or at least $1,770 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $370 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know your exact price is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different.

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 Low Cost Kia Optima Insurance

Saving money on insurance for a Kia Optima takes having a good driving record, maintaining a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Comparison shop at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a review of the car insurance concepts covered above.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,440 more every year to buy Kia Optima insurance
• Drivers can save up to $140 per year simply by quoting online in advance
• Increasing deductibles can save approximately $350 each year
• Insureds who may need increased levels of liability coverage will pay around $570 each year to raise limits from a minimum limit 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.