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.

Estimated insurance rates for a Kia Optima are $1,288 a year with full coverage. Comprehensive costs approximately $230 each year, collision costs $358, and liability costs around $520. Liability-only coverage costs as low as $576 a year, with high-risk coverage costing around $2,778. Teenage drivers pay the most at $5,050 a year or more.

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Optima models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

These rate differences demonstrate why all drivers should compare prices using their specific location and risk profile, instead of using average rates.

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

Rate Comparisons

The chart below details estimated Kia Optima insurance rates for additional coverage and risk scenarios.

• The best discount rate is $766
• Using higher $1,000 deductibles will save $134 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,288
• Using low deductibles for physical damage coverage will increase the cost to $1,544
• Drivers who are prone to accidents and violations could pay around $2,778 or more
• An auto insurance policy for full coverage for a teen driver can cost $5,050 or more

View Chart as Image

Insurance prices for a Kia Optima also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Where you choose to live 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $390 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices will be substantially different from one company to the next.

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 the Best Kia Optima Insurance

Finding better rates on car insurance requires being a low-risk driver, maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief recap of the ideas that were touched on in the above illustrations.

• Teen drivers are expensive to insure, possibly costing $421 per month for full coverage
• Higher risk drivers who tend to receive serious violations pay on average $1,490 more per year to insure their Optima
• Increasing policy deductibles can save around $400 each year
• You may be able to save around $150 per year simply by quoting online in advance

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.