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 prices for a Kia Optima are $1,288 every 12 months including full coverage. Comprehensive insurance costs around $230 each year, collision insurance costs $358, and liability is $520. Buying just liability costs around $576 a year, and insurance for high-risk drivers 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 for individual coverage:

Rate estimates include $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Optima models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.

The ranges above highlight why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $766
• Raising to $1,000 deductibles will save about $134 every year
• The average price for the average middle-age driver using $500 deductibles is $1,288
• Choosing low deductibles costs an extra $256 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,778
• The price to insure a 16-year-old driver can be $5,050

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles can reduce prices by up to $390 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 130% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Kia Optima insurance prices. A middle-age driver might find prices as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,840 on average in Michigan, New York, and Louisiana.

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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 Best Kia Optima Insurance

Getting lower rates on insurance for a Kia Optima consists of not taking risks behind the wheel, having above-average credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around at least once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a brief recap of the primary concepts that were touched on above.

• You may be able to save up to $150 per year just by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,490 more every year for Optima insurance
• Increasing physical damage deductibles could save as much as $400 each year
• Teens are charged the highest prices, possibly costing $421 a month if full coverage is included

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.