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 prices for a Kia Optima are $1,244 every 12 months with full coverage. Comprehensive costs approximately $214, collision costs $330, and liability is estimated at $520. Liability-only coverage costs approximately $576 a year, with high-risk coverage costing around $2,682. 16-year-old drivers receive the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,244

Rate estimates by individual coverage type:

Includes $500 deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist 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

Living in a larger city can have significant affects on the price of insurance. Rural locations tend to have more infrequent collision claims than congested cities.

The price range example below illustrates the difference location can make on auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $742
• Choosing higher $1,000 deductibles can save $124 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,244
• Buying more expensive low deductibles for comp and collision coverage increases the price to $1,482
• Unlucky drivers with multiple tickets or accidents could pay around $2,682 or more
• The cost to insure a teen driver with full coverage can cost $4,916 each year

View Chart as Image

Car insurance rates for a Kia Optima can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Optima.

Opting for high physical damage deductibles can save as much as $370 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance ranges as much as 43% to 134% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or at least $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

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 which company has the best rate. Each auto insurer utilizes a different rate formula, 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 Shop for the Cheapest Kia Optima Insurance

Saving money on car insurance takes not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Make time to compare rates every year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a recap of the coverage data touched on in this article.

• You may be able to save around $140 per year simply by shopping early and online
• Increasing deductibles could save as much as $350 each year
• Teens pay the highest auto insurance rates, with premiums as much as $410 per month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,440 more per year for Optima 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.