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.

The average insurance rates for a Kia Optima are $1,244 a year for full coverage insurance. Comprehensive insurance costs around $214 a year, collision insurance costs $330, and liability insurance is estimated at $520. Buying just liability costs approximately $576 a year, and insurance for high-risk drivers costs $2,682 or more. Teens cost the most to insure at up to $4,916 a year.

Average premium for full coverage: $1,244

Policy rates for type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above illustrate why it is important to get quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $742
• Choosing higher $1,000 deductibles can save about $1,120 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,244
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $238 a year
• High-risk insureds with serious driving violations could pay at least $2,682
• Policy cost for full coverage for a teen driver can be $4,916 each year

View Chart as Image

Insurance rates for a Kia Optima also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $4,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Optima insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,680 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $370 each year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

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 Cheapest Kia Optima Insurance

Finding cheaper rates on Kia Optima insurance takes avoiding accidents and claims, maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Take the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a recap of the information covered in the above illustrations.

• It is possible to save up to $140 per year just by quoting early and online
• Drivers under the age of 20 pay higher rates, possibly costing $410 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $350 each year
• High-risk drivers that have major violations or accidents may pay on average $1,440 more every year to insure a Kia Optima
• Drivers who may need increased liability limits will pay approximately $570 annually to raise limits from a 30/60 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.