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 prices for a Kia Optima are $1,244 every 12 months for full coverage. Comprehensive insurance costs around $214, collision costs $330, and liability insurance costs around $520. Buying just liability costs as low as $576 a year, with insurance for high-risk drivers costing $2,682 or more. Teens cost the most to insure at $4,916 a year or more.

Average premium for full coverage: $1,244

Policy rates for type of insurance:

Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $742
• Using higher $1,000 deductibles will save about $124 a year
• The average price for a good driver age 40 using $500 deductibles is $1,244
• Selecting more expensive low deductibles for physical damage coverage costs an extra $238 a year
• Drivers with serious driving violations could pay at least $2,682 or more
• Policy cost to insure a teen driver with full coverage can be $4,916 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $370 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $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, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Kia Optima insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,770 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Each insurance company calculates rates differently, so the rates will be varied.

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 Right Kia Optima Insurance

Finding cheaper rates on Kia Optima insurance requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around at least every other year by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below is a quick rundown of the car insurance concepts illustrated above.

• High-risk drivers with reckless driving or DUI convictions may pay on average $1,440 more every year for auto insurance
• Drivers can save up to $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Drivers who may need higher levels of liability will pay approximately $570 each year to increase from a 30/60 limit to a 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.