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.

Average insurance prices for a Kia Optima are $1,244 every 12 months with full coverage. Comprehensive insurance costs an estimated $214 each year, collision costs $330, and liability costs $520. Buying just liability costs as little as $576 a year, with insurance for high-risk drivers costing $2,682 or more. 16-year-old drivers receive the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,244

Rate estimates broken down by individual coverage type:

Prices include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Optima models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations tend to have more infrequent collision claims than congested cities.

The graphic below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why all drivers should compare rates for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $742
• Drivers who choose higher $1,000 deductibles will pay approximately $124 annually
• The average price for a 40-year-old driver who has $500 deductibles is $1,244
• Buying low deductibles for comprehensive and collision insurance costs an extra $238 annually
• Drivers with multiple tickets or accidents could pay up to $2,682 or more
• The cost to insure a 16-year-old driver can cost as much as $4,916 a year

View Chart as Image

Auto insurance rates for a Kia Optima can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Opting for high physical damage deductibles could save up to $370 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 134% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or at least $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, and quoted rates can be significantly different.

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

Saving money on insurance for a Kia Optima not only requires being a safe and courteous driver, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

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

• Insureds who want higher levels of liability will pay around $570 every year to go from a minimum limit to a 250/500 level
• Teenage drivers are the costliest to insure, with premiums as much as $410 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,440 more annually for auto insurance
• Increasing deductibles could save as much as $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.