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 insurance rates for a Kia Optima are $1,288 a year including full coverage. Comprehensive insurance costs an estimated $230 a year, collision costs $358, and liability insurance costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing $2,778 or more. Teen drivers pay the most at $5,050 a year or more.

Average premium for full coverage: $1,288

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Optima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how where you live affects insurance prices.

These rate differences highlight why it is important to compare rates for a targeted area and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Kia Optima insurance rates for other coverage scenarios.

• The lowest rate with discounts is $766
• Drivers who choose higher $1,000 deductibles will pay approximately $1,154 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,288
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $256 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $2,778 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,050 a year

View Chart as Image

Auto insurance prices for a Kia Optima also have a wide range based on your driving characteristics, the model of your Optima, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,000 a year. View Rates by Age

Where you choose to live makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $390 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,500 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.

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 Find the Best Kia Optima Insurance

Finding better rates on Kia Optima insurance not only requires being safe and accident-free, but also having good credit, refrain from filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the primary concepts that were touched on in the above illustrations.

• You may be able to save approximately $150 per year simply by quoting early and online
• High-risk drivers who tend to receive serious violations may pay on average $1,490 more annually than a low-risk driver
• Increasing policy deductibles can save around $400 each year
• Youthful drivers are the costliest to insure, with the cost nearing $421 per month if they have full coverage

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.