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 insurance rates for a Kia Optima are $1,288 a year for full coverage insurance. Comprehensive insurance costs on average $230, collision insurance costs $358, and liability insurance costs around $520. Liability-only coverage costs as low as $576 a year, and high-risk coverage costs $2,778 or more. Teen drivers pay the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Prices include $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all Optima models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than larger metro areas. The example below illustrates how where you live affects car insurance rates.

The ranges above illustrate why everyone should compare prices based on a specific location, rather than relying on price averages.

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

More Rate Information

The chart below illustrates average Kia Optima insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $766
• Using higher $1,000 deductibles will save around $134 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,288
• Choosing pricier low deductibles for physical damage coverage will cost an additional $256 a year
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,778
• The price that insures a teen driver for full coverage may cost $5,050 or more

View Chart as Image

Auto insurance prices for a Kia Optima are also quite variable based on the model of your Optima, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,200 in extra premium each year, depending on your age. Kia Optima insurance for high-risk drivers can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,000 a year. View Rates by Age

The state you live in has a huge impact on Kia Optima insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $390 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

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 Right Kia Optima Insurance

Getting lower rates on Kia Optima insurance requires being a safe and courteous driver, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Shop around every couple of years by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a quick rundown of the material that was touched on in the above illustrations.

• Drivers who require higher levels of liability will pay about $570 annually to increase from a low limit to the 250/500 level
• Teenage drivers are charged the highest prices, as much as $421 a month if the policy includes full coverage
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,490 more each year for auto insurance
• Increasing physical damage deductibles can save approximately $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.