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.

The average insurance rates for a Kia Optima are $1,288 a year with full coverage. Comprehensive insurance costs on average $230 each year, collision insurance costs $358, and liability insurance is estimated at $520. Liability-only insurance costs approximately $576 a year, and high-risk driver insurance costs $2,778 or more. Teenage drivers cost the most to insure at up to $5,050 a year.

Average premium for full coverage: $1,288

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Optima models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why all drivers should get quotes based on a specific location, rather than relying on average rates.

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

Additional Rate Details

The chart below details average Kia Optima insurance rates for different risk profiles and scenarios.

• The best discount rate is $766
• Choosing higher $1,000 deductibles can save around $134 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,288
• Using low deductibles for comp and collision coverage will cost an additional $256 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,778
• Policy cost that insures a teen driver may cost $5,050 each year

View Chart as Image

Auto insurance rates for a Kia Optima also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $5,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Optima insurance rates. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $390 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

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 Cheapest Kia Optima Insurance

Finding cheaper rates on Kia Optima insurance takes avoiding accidents and claims, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices at every policy renewal by requesting rates from direct companies, and also from several local insurance agents.

The points below are a recap of the data raised in the charts and tables above.

• Drivers who require increased liability limits will pay an extra $570 every year to raise limits from a 30/60 limit to the 250/500 level
• You may be able to save as much as $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Drivers under the age of 20 are charged the highest rates, as much as $421 each month if the policy includes 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.