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 auto insurance rates for a Kia Optima are $1,438 annually with full coverage. Comprehensive insurance costs around $306, collision costs $512, and liability insurance costs $440. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $3,094 or more. Teens receive the highest rates at $5,388 a year or more.

Average premium for full coverage: $1,438

Rate estimates for individual coverage type:

These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist coverage. Rates are averaged for all U.S. states and for all Optima models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance rates.

These examples demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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

Insurance Rate Analysis

The chart below details estimated Kia Optima insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $842
• Drivers who choose higher $1,000 deductibles will pay about $186 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,438
• Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $358 a year
• High risk drivers with serious driving violations could pay at least $3,094 or more
• The cost with full coverage for a teen driver for full coverage can be $5,388 a year

View Chart as Image

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

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,700 to $2,300 extra per year, depending on your age. Kia Optima insurance for high-risk drivers can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $550 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $396 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,940 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2020 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 Buy Cheap Kia Optima Insurance

Saving money on Kia Optima insurance not only requires being a safe driver, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Here is a brief summary of the concepts that were presented in the illustrations above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,660 more every year for insurance
• Young drivers are the costliest to insure, with premiums as much as $449 per month if comprehensive and collision insurance is included
• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $550 each year
• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date

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.