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.

Average auto insurance rates for a Kia Optima are $1,030 annually for full coverage insurance. Comprehensive costs on average $152 each year, collision insurance costs $178, and liability costs around $520. Liability-only coverage costs as low as $576 a year, and high-risk coverage costs around $2,206. Teens receive the highest rates at up to $4,226 a year.

Average premium for full coverage: $1,030

Rate estimates by individual coverage type:

Includes $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Optima models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects car insurance rates.

These examples illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $637
• Using higher $1,000 deductibles will save around $76 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,030
• Selecting low deductibles for physical damage coverage will cost $1,170
• Drivers with serious driving violations could pay upwards of $2,206
• The cost with full coverage for a teen driver may cost $4,226 or more

View Chart as Image

Car insurance rates for a Kia Optima can also vary considerably based on the trim level of your Optima, your risk profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $4,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $220 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Kia Optima insurance prices. A driver around age 40 might see rates as low as $680 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,390 on average in Michigan, New York, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2007 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 the Cheapest Kia Optima Insurance

Saving money on car insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a recap of the data presented in the illustrations above.

• Policyholders who require increased levels of liability coverage will pay approximately $570 annually to increase from a minimum limit to higher 250/500 limits
• It is possible to save as much as $110 per year just by quoting online in advance
• Increasing deductibles could save up to $225 each year
• Drivers age 20 and younger are expensive to insure, costing up to $352 per month if comprehensive and collision insurance is included

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.