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 rates for a Kia Optima are $1,288 a year for full coverage insurance. Comprehensive costs around $230, collision insurance costs $358, and liability is $520. A policy with just liability insurance costs around $576 a year, and coverage for high-risk drivers costs around $2,778. Teen drivers pay the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Price estimates for individual coverage:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Optima trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using price averages.

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

More Rate Information

The chart below illustrates average Kia Optima insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $766
• Raising to $1,000 deductibles will save about $134 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,288
• Choosing more expensive low deductibles bumps up the cost to $1,544
• At-risk drivers with multiple violations and an at-fault accident could pay at least $2,778
• The price that insures a teen driver with full coverage can be $5,050

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 130% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,000 a year. View Rates by Age

The state you live in also has a big influence on Kia Optima insurance prices. A middle-age driver might find prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $390 every year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more per 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 Best Kia Optima Insurance

Getting lower rates on car insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Shop around every other policy renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

Below is a brief recap of the ideas that were presented in the illustrations above.

• Teenage drivers pay higher prices, as much as $421 a month if full coverage is included
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,490 more every year for auto insurance
• Increasing physical damage deductibles can save approximately $400 each year
• It is possible to save up to $150 per year just by shopping early and online

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.