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

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Optima models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance prices.

The ranges above show why all drivers should compare prices using their specific location, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below shows estimated Kia Optima insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $766
• Using higher $1,000 deductibles will save $134 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,288
• Selecting low deductibles for physical damage coverage bumps up the cost to $1,544
• High-risk insureds with serious driving violations could pay around $2,778 or more
• The price that insures a 16-year-old driver can cost $5,050 or more

View Chart as Image

Auto insurance prices for a Kia Optima are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,500 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $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 Iowa, Maine, and Idaho, or have to pay at least $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

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

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Each insurance company calculates prices differently, and quoted prices may be quite 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 Find More Affordable Kia Optima Insurance

Getting lower rates on insurance for a Kia Optima requires being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Compare rates once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following list is a summary of the data that was touched on in this article.

• Drivers can save around $150 per year simply by quoting online in advance
• Insureds who purchase an increased level of liability coverage will pay approximately $570 each year to increase from a low limit to the 250/500 level
• Drivers age 16 to 20 have the highest car insurance prices, with premiums as much as $421 a month if the policy includes full coverage
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,490 more per year than a safer driver

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.