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 insurance prices for a Kia Optima are $1,288 every 12 months for full coverage. Comprehensive insurance costs approximately $230, collision costs $358, and liability insurance costs $520. A policy with just liability insurance costs as little as $576 a year, with coverage for high-risk drivers costing $2,778 or more. 16-year-old drivers receive the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Rate estimates by individual coverage type:

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for different Optima trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $766
• Drivers who choose higher $1,000 deductibles will pay $134 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,288
• Buying more expensive low deductibles for comprehensive and collision insurance costs an extra $256 a year
• High risk drivers with multiple tickets or accidents could pay around $2,778 or more
• The cost to insure a teen driver with full coverage can cost $5,050 a year

View Chart as Image

Insurance rates for a Kia Optima can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Optima.

Opting for high physical damage deductibles could save up to $390 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,200 additional per year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or at least $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Every company utilizes a different rate formula, and rates can be significantly 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 Shop for the Cheapest Kia Optima Insurance

Saving money on Kia Optima insurance not only requires being a safe and courteous driver, but also having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a recap of the ideas that were covered above.

• Teenage drivers are the costliest to insure, costing as high as $421 per month if full coverage is included
• High-risk drivers that have major violations or accidents may pay on average $1,490 more per year for auto insurance
• Increasing deductibles could save as much as $400 each year
• Drivers can save around $150 per year simply 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.