Kia Optima Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

The average auto insurance rates for a Kia Optima are $1,030 annually with full coverage. Comprehensive insurance costs an estimated $152, collision costs $178, and liability costs around $520. Liability-only coverage costs as low as $576 a year, with high-risk coverage costing $2,206 or more. Teen drivers cost the most to insure at $4,226 a year or more.

Average premium for full coverage: $1,030

Policy rates broken down by type of insurance:

Comprehensive $152
Collision $178
Liability $520

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

Price Range Variability

For a 40-year-old driver, Kia Optima insurance rates go from as cheap as $576 for just liability insurance to a much higher rate of $2,206 for a driver that may need high-risk insurance.

Liability Only $576
Full Coverage $1,030
High Risk $2,206

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas.

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

Rural Areas $773
Small Cities $1,082
Large Cities $1,391

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

The chart below details estimated Kia Optima insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $637
  • Using higher $1,000 deductibles will save approximately $76 annually
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,030
  • Choosing more expensive low deductibles for physical damage coverage costs an additional $140 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,206 or more
  • Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $4,226 or more

View Chart as Image

Kia Optima insurance cost comparison chart
Column chart showing full coverage Kia Optima insurance prices range from $637 to $4,226

Insurance rates for a Kia Optima also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,200 to $1,800 additional every year, depending on your age. High-risk driver insurance can be from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $220 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Kia Optima insurance prices. A driver around age 40 might see rates as low as $740 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,390 on average in New York, Michigan, and Florida.

Kia Optima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $930 -$100 -9.7%
Alaska $788 -$242 -23.5%
Arizona $856 -$174 -16.9%
Arkansas $1,030 -$0 0.0%
California $1,172 $142 13.8%
Colorado $982 -$48 -4.7%
Connecticut $1,056 $26 2.5%
Delaware $1,164 $134 13.0%
Florida $1,288 $258 25.0%
Georgia $950 -$80 -7.8%
Hawaii $740 -$290 -28.2%
Idaho $698 -$332 -32.2%
Illinois $766 -$264 -25.6%
Indiana $776 -$254 -24.7%
Iowa $694 -$336 -32.6%
Kansas $976 -$54 -5.2%
Kentucky $1,402 $372 36.1%
Louisiana $1,524 $494 48.0%
Maine $636 -$394 -38.3%
Maryland $848 -$182 -17.7%
Massachusetts $822 -$208 -20.2%
Michigan $1,784 $754 73.2%
Minnesota $862 -$168 -16.3%
Mississippi $1,232 $202 19.6%
Missouri $912 -$118 -11.5%
Montana $1,104 $74 7.2%
Nebraska $812 -$218 -21.2%
Nevada $1,234 $204 19.8%
New Hampshire $742 -$288 -28.0%
New Jersey $1,150 $120 11.7%
New Mexico $908 -$122 -11.8%
New York $1,084 $54 5.2%
North Carolina $594 -$436 -42.3%
North Dakota $844 -$186 -18.1%
Ohio $708 -$322 -31.3%
Oklahoma $1,056 $26 2.5%
Oregon $942 -$88 -8.5%
Pennsylvania $980 -$50 -4.9%
Rhode Island $1,372 $342 33.2%
South Carolina $932 -$98 -9.5%
South Dakota $868 -$162 -15.7%
Tennessee $900 -$130 -12.6%
Texas $1,240 $210 20.4%
Utah $760 -$270 -26.2%
Vermont $706 -$324 -31.5%
Virginia $616 -$414 -40.2%
Washington $794 -$236 -22.9%
West Virginia $942 -$88 -8.5%
Wisconsin $712 -$318 -30.9%
Wyoming $916 -$114 -11.1%

View Chart as Image

Kia Optima insurance rates by U.S. city

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Kia Optima Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Optima LX $1,002 $84
Kia Optima EX $1,046 $87
Kia Optima SX $1,046 $87

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.

Kia Optima Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Kia Optima $214 $330 $520 $1,244
2014 Kia Optima $206 $310 $524 $1,220
2013 Kia Optima $202 $288 $534 $1,204
2011 Kia Optima $182 $244 $540 $1,146
2010 Kia Optima $170 $222 $534 $1,106
2009 Kia Optima $160 $202 $534 $1,076
2008 Kia Optima $154 $182 $530 $1,046
2007 Kia Optima $152 $178 $520 $1,030
2006 Kia Optima $150 $168 $510 $1,008
2005 Kia Optima $138 $160 $504 $982

Rates are averaged for all Kia Optima models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Cheapest Kia Optima Insurance

Finding cheaper rates on insurance for a Kia Optima requires avoiding accidents and claims, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a recap of the data that was illustrated above.

  • You may be able to save approximately $110 per year simply by shopping early and online
  • Insureds who want increased liability limits will pay about $570 every year to increase from a 30/60 limit to higher 250/500 limits
  • Drivers under the age of 20 are expensive to insure, as much as $352 each month if they have full coverage
  • Drivers considered higher risk that have major violations or accidents pay on average $1,180 more annually to insure a Kia Optima

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

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.

Rates by Driver Age

Kia Optima Insurance Rates by Driver Age
Driver Age Premium
16 $4,226
20 $2,346
30 $1,038
40 $1,030
50 $946
60 $926

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,170
$250 $1,108
$500 $1,030
$1,000 $954

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,030
50/100 $1,150
100/300 $1,280
250/500 $1,618
100 CSL $1,202
300 CSL $1,488
500 CSL $1,696

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $5,934
20 $3,738
30 $2,218
40 $2,206
50 $2,110
60 $2,090

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $136

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $56
Homeowner $19
5-yr Accident Free $59
5-yr Claim Free $63
Paid in Full/EFT $34
Advance Quote $43
Online Quote $68
Total Discounts $393
Rate after discounts $637

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles