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.

Estimated insurance rates for a Kia Optima are $1,288 a year for full coverage. Comprehensive insurance costs around $230, collision insurance costs $358, and liability costs $520. A liability-only policy costs as little as $576 a year, and high-risk insurance costs $2,778 or more. 16-year-old drivers pay the most at up to $5,050 a year.

Average premium for full coverage: $1,288

Premium estimates for type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different Optima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than congested cities. The price range example below illustrates how location impacts auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $766
• Drivers who choose higher $1,000 deductibles will pay about $134 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,288
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $256 annually
• Drivers with multiple tickets or accidents could pay at least $2,778
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $5,050 a year

View Chart as Image

Auto insurance prices for a Kia Optima also have a wide range based on your driving characteristics, the trim level of your Optima, and deductibles and policy limits.

An older driver with a good driving record and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $5,000 a year. View Rates by Age

Where you choose to live makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or at least $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $390 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,500 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can cost from 44% to 130% more than the average rate. 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

Finding better rates on insurance for a Kia Optima not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a summary of the data that was touched on above.

• Drivers can save up to $150 per year just by shopping early and online
• Insureds who may need higher liability limits will pay around $570 each year to go from 30/60 bodily injury limits to 250/500 limits
• Teenagers are expensive to insure, as much as $421 per month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,490 more every year for car insurance

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.