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. Comprehensive insurance costs approximately $230, collision costs $358, and liability costs around $520. Liability-only coverage costs as low as $576 a year, with high-risk coverage costing $2,778 or more. Teenage drivers pay the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Optima models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance prices.

The ranges above show why everyone should compare prices using their specific location and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below shows estimated Kia Optima insurance rates for additional coverage and risk scenarios.

• The best discount rate is $766
• Using higher $1,000 deductibles will save $134 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,288
• Using pricier low deductibles for physical damage coverage will cost an extra $256 every year
• Drivers who are prone to accidents and violations could pay around $2,778 or more
• The price for full coverage for a teen driver for full coverage can cost $5,050 or more

View Chart as Image

Auto insurance prices for a Kia Optima are also quite variable based on your driving record, the trim level of your Optima, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $5,000 a year. View Rates by Age

The state you live in has a huge impact on Kia Optima insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $390 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,200 in extra premium each year, depending on your age. Kia Optima insurance for high-risk drivers can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices may be quite 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 Low Cost Kia Optima Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every time your policy renews by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a review of the information raised in the charts and tables above.

• Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
• Teens have the highest car insurance prices, with premiums as much as $421 a month if they have full coverage
• Increasing physical damage deductibles can save around $400 each year
• Higher risk drivers who have several accidents or serious violations may pay on average $1,490 more per year for Optima insurance
• Policyholders who purchase higher liability limits will pay an extra $570 each year to increase from a low limit to 250/500 limits

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.