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 including full coverage. Comprehensive insurance costs an estimated $230 a year, collision insurance costs $358, and liability is $520. A policy with just liability insurance costs around $576 a year, and coverage for high-risk drivers costs $2,778 or more. Teens receive the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Rate estimates broken down by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Optima trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects insurance prices.

These examples highlight why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below breaks down average Kia Optima insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $766
• Raising to $1,000 deductibles will save approximately $1,154 every year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,288
• Selecting low $100 deductibles will cost an extra $256 annually
• Drivers with serious driving violations could pay up to $2,778
• The cost for full coverage for a 16-year-old driver can cost as much as $5,050

View Chart as Image

Insurance rates for a Kia Optima can also vary considerably based on your driver profile, the model of your Optima, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $5,000 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $390 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,500 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 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 the Cheapest Kia Optima Insurance

Saving money on insurance for a Kia Optima consists of having a decent driving record, having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following items are a recap of the data touched on in the above illustrations.

• Insureds who want additional liability coverage will pay approximately $570 per year to raise from a minimum limit to 250/500 limits
• You may be able to save approximately $150 per year just by quoting early and online
• Increasing deductibles can save around $400 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $421 per month including comprehensive and collision 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.