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Kia Optima Insurance Rates

Kia Optima insurance

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.

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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
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,300-$138-9.6%
Alaska$1,104-$334-23.2%
Arizona$1,194-$244-17.0%
Arkansas$1,438-$00.0%
California$1,638$20013.9%
Colorado$1,370-$68-4.7%
Connecticut$1,478$402.8%
Delaware$1,626$18813.1%
Florida$1,798$36025.0%
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$52236.3%
Louisiana$2,128$69048.0%
Maine$890-$548-38.1%
Maryland$1,188-$250-17.4%
Massachusetts$1,148-$290-20.2%
Michigan$2,496$1,05873.6%
Minnesota$1,202-$236-16.4%
Mississippi$1,724$28619.9%
Missouri$1,276-$162-11.3%
Montana$1,546$1087.5%
Nebraska$1,134-$304-21.1%
Nevada$1,724$28619.9%
New Hampshire$1,036-$402-28.0%
New Jersey$1,608$17011.8%
New Mexico$1,272-$166-11.5%
New York$1,514$765.3%
North Carolina$828-$610-42.4%
North Dakota$1,176-$262-18.2%
Ohio$992-$446-31.0%
Oklahoma$1,474$362.5%
Oregon$1,316-$122-8.5%
Pennsylvania$1,370-$68-4.7%
Rhode Island$1,918$48033.4%
South Carolina$1,302-$136-9.5%
South Dakota$1,214-$224-15.6%
Tennessee$1,258-$180-12.5%
Texas$1,732$29420.4%
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 TrimAnnual PremiumMonthly Premium
Kia Optima LX$1,366$114
Kia Optima EX$1,482$124
Kia Optima SX$1,482$124

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

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

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Rates by Driver Age

Kia Optima Insurance Rates by Driver Age
Driver AgePremium
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
DeductiblePremium
$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 LimitPremium
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
AgePremium
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.

DiscountSavings
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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