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 auto insurance rates for a Kia Optima are $1,288 annually for full coverage insurance. Comprehensive insurance costs around $230 each year, collision insurance costs $358, and liability is estimated at $520. Liability-only coverage costs approximately $576 a year, and high-risk coverage costs $2,778 or more. Teenage drivers cost the most to insure at up to $5,050 a year.

Average premium for full coverage: $1,288

Policy rates for type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Optima models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

The examples above illustrate why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $766
• Choosing higher $1,000 deductibles can save about $134 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,288
• Using low deductibles for comp and collision coverage costs an additional $256 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,778
• Policy cost with full coverage for a teen driver can be $5,050 each year

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,500 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $390 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 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

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 Buy Cheaper Kia Optima Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having good credit, being claim-free, and deciding if full coverage is necessary. Invest time comparing rates at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a condensed summary of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers with multiple at-fault accidents pay on average $1,490 more every year for car insurance
• It is possible to save up to $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Policyholders who may need higher liability limits will pay an extra $570 annually to raise limits from a 30/60 limit to higher 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.