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 rates for a Kia Optima are $1,244 a year including full coverage. Comprehensive costs an estimated $214, collision costs $330, and liability costs around $520. Liability-only coverage costs as low as $576 a year, with high-risk coverage costing around $2,682. Teenage drivers cost the most to insure at $4,916 a year or more.

Average premium for full coverage: $1,244

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Kia Optima insurance rates for other coverage scenarios.

• The best discount rate is $742
• Using higher $1,000 deductibles will save approximately $124 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,244
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,482
• High-risk insureds who are prone to accidents and violations could pay up to $2,682 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $4,916 or more

View Chart as Image

Insurance rates for a Kia Optima also range considerably based on your risk profile, the model of your Optima, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state has a huge impact on Kia Optima insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,770 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $370 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be from 43% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied 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 More Affordable Kia Optima Insurance

Finding cheaper rates on insurance for a Kia Optima requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the material that was touched on in this article.

• Insureds who want additional liability coverage will pay an extra $570 per year to increase from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $410 each month including comprehensive and collision insurance
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,440 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $350 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.