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 auto insurance rates for a Kia Optima are $1,288 annually with full coverage. Comprehensive costs around $230 a year, collision costs $358, and liability costs around $520. Buying just liability costs as low as $576 a year, with insurance for high-risk drivers costing around $2,778. 16-year-old drivers pay the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Price estimates for individual coverage:

Rates are based on $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Optima trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population have fewer collision claims than congested cities.

The diagram below illustrates how where you live affects auto insurance rates.

The ranges above demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $766
• Using higher $1,000 deductibles will save about $1,154 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,288
• Buying low $100 deductibles for physical damage coverage will cost $1,544
• Drivers with multiple tickets or accidents could pay at least $2,778 or more
• The price with full coverage for a teen driver can be $5,050 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,500 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $390 every year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Kia Optima insurance prices. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out your exact price is to get quotes and see which company has the best price. Each insurance company utilizes a different rate formula, and prices may be quite different between companies.

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 Best Cheap Kia Optima Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a quick review of the material that was touched on in the above illustrations.

• Policyholders who may need higher liability limits will pay around $570 every year to increase from a low limit to higher 250/500 limits
• Teens are charged the highest prices, costing up to $421 a month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,490 more every year for Optima insurance
• Increasing physical damage deductibles could save up to $400 each year

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.