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Kia Optima Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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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:

Comprehensive $306
Collision $512
Liability $440

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

For the normal driver, prices range go from as cheap as $510 for only liability insurance to the much higher price of $3,094 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,438
High Risk $3,094

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.

Rural Areas $1,079
Small Cities $1,510
Large Cities $1,941

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.

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

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

Kia Optima insurance cost comparison chart
Column chart showing full coverage Kia Optima insurance prices range from $842 to $5,388

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.

Kia Optima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,300 -$138 -9.6%
Alaska $1,104 -$334 -23.2%
Arizona $1,194 -$244 -17.0%
Arkansas $1,438 -$0 0.0%
California $1,638 $200 13.9%
Colorado $1,370 -$68 -4.7%
Connecticut $1,478 $40 2.8%
Delaware $1,626 $188 13.1%
Florida $1,798 $360 25.0%
Georgia $1,328 -$110 -7.6%
Hawaii $1,030 -$408 -28.4%
Idaho $974 -$464 -32.3%
Illinois $1,068 -$370 -25.7%
Indiana $1,086 -$352 -24.5%
Iowa $972 -$466 -32.4%
Kansas $1,366 -$72 -5.0%
Kentucky $1,960 $522 36.3%
Louisiana $2,128 $690 48.0%
Maine $890 -$548 -38.1%
Maryland $1,188 -$250 -17.4%
Massachusetts $1,148 -$290 -20.2%
Michigan $2,496 $1,058 73.6%
Minnesota $1,202 -$236 -16.4%
Mississippi $1,724 $286 19.9%
Missouri $1,276 -$162 -11.3%
Montana $1,546 $108 7.5%
Nebraska $1,134 -$304 -21.1%
Nevada $1,724 $286 19.9%
New Hampshire $1,036 -$402 -28.0%
New Jersey $1,608 $170 11.8%
New Mexico $1,272 -$166 -11.5%
New York $1,514 $76 5.3%
North Carolina $828 -$610 -42.4%
North Dakota $1,176 -$262 -18.2%
Ohio $992 -$446 -31.0%
Oklahoma $1,474 $36 2.5%
Oregon $1,316 -$122 -8.5%
Pennsylvania $1,370 -$68 -4.7%
Rhode Island $1,918 $480 33.4%
South Carolina $1,302 -$136 -9.5%
South Dakota $1,214 -$224 -15.6%
Tennessee $1,258 -$180 -12.5%
Texas $1,732 $294 20.4%
Utah $1,062 -$376 -26.1%
Vermont $986 -$452 -31.4%
Virginia $860 -$578 -40.2%
Washington $1,108 -$330 -22.9%
West Virginia $1,318 -$120 -8.3%
Wisconsin $994 -$444 -30.9%
Wyoming $1,282 -$156 -10.8%

View Chart as Image

Kia Optima insurance rates by U.S. city

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

Kia Optima Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Optima LX $1,366 $114
Kia Optima EX $1,482 $124
Kia Optima SX $1,482 $124

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.

Kia Optima Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Optima $306 $512 $440 $1,438
2019 Kia Optima $294 $506 $450 $1,430
2018 Kia Optima $284 $494 $470 $1,428
2017 Kia Optima $274 $474 $486 $1,414
2016 Kia Optima $260 $458 $500 $1,398
2015 Kia Optima $250 $424 $510 $1,364
2014 Kia Optima $240 $400 $514 $1,334
2013 Kia Optima $230 $358 $520 $1,288
2012 Kia Optima $214 $330 $520 $1,244
2011 Kia Optima $206 $310 $524 $1,220
2010 Kia Optima $202 $288 $534 $1,204
2009 Kia Optima $186 $268 $534 $1,168
2008 Kia Optima $182 $244 $540 $1,146
2007 Kia Optima $170 $222 $534 $1,106
2006 Kia Optima $160 $202 $534 $1,076
2005 Kia Optima $154 $182 $530 $1,046
2004 Kia Optima $152 $178 $520 $1,030
2003 Kia Optima $150 $168 $510 $1,008
2002 Kia Optima $138 $160 $504 $982
2001 Kia Optima $132 $152 $500 $964

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 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.

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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 $5,388
20 $3,298
30 $1,494
40 $1,438
50 $1,312
60 $1,288

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,796
$250 $1,632
$500 $1,438
$1,000 $1,252

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,438
50/100 $1,570
100/300 $1,680
250/500 $1,966
100 CSL $1,614
300 CSL $1,856
500 CSL $2,032

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $7,668
20 $5,240
30 $3,156
40 $3,094
50 $2,952
60 $2,924

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 $196

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $102
5-yr Claim Free $91
Paid in Full/EFT $63
Advance Quote $69
Online Quote $101
Total Discounts $596
Rate after discounts $842

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

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