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 auto insurance rates for a Kia Optima are $1,030 annually with full coverage. Comprehensive costs around $152, collision insurance costs $178, and liability coverage costs around $520. Liability-only coverage costs as low as $576 a year, and high-risk coverage costs around $2,206. Teenage drivers pay the most at up to $4,226 a year.

Average premium for full coverage: $1,030

Premium estimates for type of coverage:

Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different Optima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than densely populated cities. The price range example below illustrates how your location can change auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $637
• Using higher $1,000 deductibles will save about $76 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,030
• Using more expensive low deductibles for physical damage coverage will cost $1,170
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,206
• An auto insurance policy with full coverage for a teenage driver with full coverage can be $4,226 or more

View Chart as Image

Insurance prices for a Kia Optima also have a wide range based on the model of your Optima, your driving record, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,200 to $1,800 extra annually, depending on your age. High-risk driver insurance can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $220 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Kia Optima insurance rates. A driver around age 40 might see prices as low as $740 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,390 on average in Florida, Michigan, and New York.

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 Best Kia Optima Insurance

Finding better rates on auto insurance requires having a good driving record, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around at every policy renewal by requesting rates from direct companies, and also from local exclusive and independent agents.

The next list is a brief recap of the data illustrated above.

• Consumers who may need increased levels of liability coverage will pay an extra $570 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save up to $110 per year just by shopping early and online
• Increasing policy deductibles could save up to $225 each year
• Drivers age 20 and younger pay higher prices, possibly costing $352 per month including comprehensive and collision insurance

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.