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. Comprehensive insurance costs around $230 a year, collision insurance costs $358, and liability costs around $520. Liability-only coverage costs as low as $576 a year, and high-risk coverage costs $2,778 or more. Teens pay the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Price estimates for individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Optima trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance rates.

The ranges above show why it is important to compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $766
• Using higher $1,000 deductibles will save about $1,154 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,288
• Selecting low $100 deductibles for physical damage coverage will cost an extra $256 every year
• Drivers with serious driving violations could pay at least $2,778
• The price for full coverage for a teen driver can be $5,050 or more

View Chart as Image

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

Older drivers with a good driving record and high deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age

The state you live in has a huge impact on Kia Optima insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $390 every year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,500 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than the average policy. View High Risk Driver Rates

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

Getting lower rates on car insurance requires avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at least once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The list below is a summary of the primary concepts that were touched on in the above illustrations.

• Drivers can save up to $150 per year just by quoting early and online
• Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,490 more every year for car insurance
• Increasing physical damage deductibles can save around $400 each year
• Teenagers are expensive to insure, with premiums as much as $421 a month if they have full coverage

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.