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 prices for a Kia Optima are $1,288 every 12 months for full coverage insurance. Comprehensive insurance costs around $230 a year, collision costs $358, and liability costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing $2,778 or more. Teenage drivers cost the most to insure at $5,050 a year or more.

Average premium for full coverage: $1,288

Policy rates for type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $766
• Drivers who choose higher $1,000 deductibles will pay about $1,154 each year
• The average price for a good driver age 40 using $500 deductibles is $1,288
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $256 annually
• Drivers who are prone to accidents and violations could pay at least $2,778 or more
• Policy cost to insure a 16-year-old driver can be $5,050 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $390 annually, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate rates, so rate quotes will be varied.

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 Best Cheap Kia Optima Insurance

Finding cheaper rates on insurance for a Kia Optima not only requires being a safe and courteous driver, but also maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a quick review of the data raised in the charts and tables above.

• Insureds who may need higher levels of liability will pay an extra $570 annually to go from a 30/60 limit to a 250/500 level
• It is possible to save up to $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Teenage drivers are the costliest to insure, possibly costing $421 each month if the policy includes full coverage

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.