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 rates for a Kia Optima are $1,288 a year with full coverage. Comprehensive insurance costs approximately $230, collision costs $358, and liability coverage costs $520. Liability-only coverage costs as little as $576 a year, with high-risk coverage costing $2,778 or more. Teens receive the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for different Optima trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location, rather than using averaged prices.

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 additional coverage and risk scenarios.

• The cheapest rate after discounts is $766
• Drivers who choose higher $1,000 deductibles will pay $134 annually
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,288
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $256 each year
• High-risk insureds with serious driving violations could pay around $2,778 or more
• The cost that insures a teenage driver with full coverage can cost $5,050 a year

View Chart as Image

Car insurance rates for a Kia Optima can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,500 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,000 a year. View Rates by Age

Where you live makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $390 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Every company calculates rates differently, so rate quotes 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 Find Cheap Kia Optima Insurance

Saving money on auto insurance not only requires being a good driver, but also having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Compare rates once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a brief summary of the data that was illustrated above.

• You may be able to save around $150 per year simply by shopping early and online
• Consumers who purchase an increased level of liability coverage will pay approximately $570 every year to go from a minimum limit to the 250/500 level
• Drivers age 16 to 20 pay the highest auto insurance rates, with premiums as much as $421 per month if full coverage is purchased
• Drivers that tend to have accidents or serious violations may have 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.