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 for full coverage. Comprehensive insurance costs around $230, collision costs $358, and liability insurance is $520. A liability-only policy costs around $576 a year, with high-risk insurance costing $2,778 or more. Teens pay the most at $5,050 a year or more.

Average premium for full coverage: $1,288

Premium estimates for type of coverage:

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all Optima models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance rates.

These rate differences show why everyone should compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Information

The chart below shows estimated Kia Optima insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $766
• Raising to $1,000 deductibles will save about $134 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,288
• Selecting pricier low deductibles will cost an additional $256 a year
• Higher-risk drivers with serious driving violations could pay at least $2,778 or more
• An auto insurance policy that insures a teen driver for full coverage can be $5,050

View Chart as Image

Auto insurance prices for a Kia Optima also have a wide range based on the model of your Optima, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,500 to $2,200 in extra premium annually, depending on your age. Kia Optima insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

Where you choose to live also has a big influence on Kia Optima insurance rates. A middle-age driver might find prices as low as $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $390 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know your exact price is to regularly compare prices from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.

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 Cheaper Kia Optima Insurance

Finding better rates on Kia Optima insurance consists of not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates every other policy renewal by requesting quotes from direct carriers, and also from several local insurance agents.

The following is a condensed summary of the ideas that were touched on in the above illustrations.

• Teens are expensive to insure, as much as $421 per month if the policy includes full coverage
• High-risk drivers with multiple at-fault accidents pay on average $1,490 more every year for Optima insurance
• Increasing policy deductibles can save approximately $400 each year
• Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date

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.