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 auto insurance rates for a Kia Optima are $1,288 annually with full coverage. Comprehensive costs around $230 a year, collision costs $358, and liability insurance costs around $520. Liability-only coverage costs as low as $576 a year, with high-risk coverage costing around $2,778. Teen drivers pay the most at $5,050 a year or more.

Average premium for full coverage: $1,288

Premium estimates for type of coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Optima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $766
• Using higher $1,000 deductibles will save about $1,154 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,288
• Choosing low $100 deductibles for physical damage coverage will cost $1,544
• Drivers with multiple violations and an at-fault accident could pay at least $2,778 or more
• An auto insurance policy with full coverage for a teen driver can be $5,050 or more

View Chart as Image

Insurance prices for a Kia Optima also have a wide range based on the model of your Optima, your driving record, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,500 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $390 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Kia Optima insurance rates. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the prices will be substantially different between companies.

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 Buy Affordable Kia Optima Insurance

Finding better rates on Kia Optima insurance requires being a good driver, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around every year by getting rate quotes from direct companies, and also from local exclusive and independent agents.

The following list is a brief review of the coverage data illustrated above.

• You may be able to save up to $150 per year simply by quoting early and online
• Increasing policy deductibles could save up to $400 each year
• Drivers age 16 to 20 pay higher prices, possibly costing $421 per month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,490 more every year than a safer driver

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.