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 auto insurance rates for a Kia Optima are $1,288 annually for full coverage. Comprehensive costs approximately $230, collision insurance costs $358, and liability coverage is $520. Liability-only insurance costs around $576 a year, and high-risk driver insurance costs around $2,778. 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 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Optima models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.

The examples above show why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $766
• Raising to $1,000 deductibles will save $134 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,288
• Choosing pricier low deductibles will cost $1,544
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,778
• Policy cost with full coverage for a teenage driver for full coverage can cost $5,050

View Chart as Image

Auto insurance rates for a Kia Optima also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,500 to $2,200 in extra premium every year, depending on your age. Kia Optima insurance for high-risk drivers is expensive and can cost around 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $390 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Kia Optima insurance rates. A middle-age driver might find rates as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,840 on average in New York, Louisiana, and Michigan.

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 Buy the Right Kia Optima Insurance

Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a quick rundown of the concepts that were touched on in the above illustrations.

• Drivers with reckless driving or DUI convictions pay on average $1,490 more per year for Optima insurance
• Teens have the highest car insurance rates, costing up to $421 each month if full coverage is included
• Drivers can save around $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Drivers can save around $150 per year just by quoting online well ahead of the renewal date

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.