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

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Optima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance prices.

These rate differences illustrate why it is important to compare prices using their specific location and risk profile, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $766
• Using higher $1,000 deductibles will save $1,154 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,288
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,544
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,778 or more
• An auto insurance policy for full coverage for a teenage driver can cost $5,050 or more

View Chart as Image

Insurance prices for a Kia Optima also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

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 $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $390 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy can be around 44% to 130% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and prices will be substantially 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 the Cheapest Kia Optima Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest time comparing rates every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a recap of the ideas that were covered in the charts and tables above.

• Teenage drivers are the costliest to insure, with premiums being up to $421 per month including comprehensive and collision insurance
• Drivers that have major violations or accidents may pay on average $1,490 more per year for auto insurance
• Increasing policy deductibles can save around $400 each year
• It is possible to save around $150 per year simply by quoting 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.