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.

U.S. average insurance prices for a Kia Optima are $1,288 every 12 months for full coverage. Comprehensive costs an estimated $230 each year, collision insurance costs $358, and liability insurance costs around $520. Liability-only insurance costs as low as $576 a year, and high-risk driver insurance costs around $2,778. 16-year-old drivers pay the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Optima models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have more infrequent accident claims than congested cities. The graphic below illustrates how where you live affects insurance prices.

The ranges above show why all drivers should compare prices for a targeted area and their own driving history, rather than relying on rate averages.

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

More Rate Information

The chart below shows average Kia Optima insurance rates for other coverage scenarios.

• The best full coverage rate is $766
• Using higher $1,000 deductibles will save approximately $134 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,288
• Buying low deductibles for physical damage coverage increases the price to $1,544
• Drivers with multiple tickets or accidents could pay up to $2,778
• The price to insure a teen driver can cost as much as $5,050 or more

View Chart as Image

Car insurance prices for a Kia Optima are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles could cut prices by as much as $390 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Kia Optima insurance rates. A driver around age 40 might see prices as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Shop for Low Cost Kia Optima Insurance

Getting lower rates on Kia Optima insurance requires being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop every year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a review of the coverage data touched on in the above illustrations.

• Drivers can save approximately $150 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $400 each year
• Drivers age 16 to 20 have the highest car insurance prices, with premiums as much as $421 a month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations pay on average $1,490 more annually 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.