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 prices for a Kia Optima are $1,030 every 12 months for full coverage. Comprehensive costs an estimated $152 each year, collision insurance costs $178, and liability coverage is estimated at $520. A liability-only policy costs approximately $576 a year, and high-risk insurance costs around $2,206. Teens pay the most at up to $4,226 a year.

Average premium for full coverage: $1,030

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Optima models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects insurance prices.

These rate differences show why all drivers should get quotes for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $637
• Choosing higher $1,000 deductibles can save approximately $76 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,030
• Selecting low deductibles for comp and collision coverage increases the price to $1,170
• Drivers with serious driving violations could pay up to $2,206
• An auto insurance policy to insure a teenage driver can cost as much as $4,226 each year

View Chart as Image

Auto insurance prices for a Kia Optima also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $220 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,000 annually on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $4,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,200 to $1,800 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Kia Optima insurance rates. A good driver about age 40 could pay as low as $680 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,470 on average in New York, Louisiana, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2007 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 Right Kia Optima Insurance

Finding better rates on auto insurance takes avoiding accidents and claims, having a good credit score, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

The points below are a quick rundown of the ideas that were presented in the illustrations above.

• Drivers under the age of 20 are the costliest to insure, as much as $352 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions pay on average $1,180 more annually to insure a Kia Optima
• Increasing policy deductibles could save as much as $225 each year
• Drivers can save approximately $110 per year just by quoting online in advance

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.