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

Average premium for full coverage: $1,288

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. 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 car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences demonstrate why it is important to compare prices for a targeted area, rather than using price averages.

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

Additional Rate Details

The chart below details estimated Kia Optima insurance rates for other coverage scenarios.

• The lowest rate with discounts is $766
• Using higher $1,000 deductibles will save approximately $1,154 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,288
• Choosing low $100 deductibles for physical damage coverage will cost an additional $256 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,778 or more
• An auto insurance policy that insures a teenage driver can cost as much as $5,050 or more

View Chart as Image

Insurance prices for a Kia Optima also have a wide range based on the trim level of your Optima, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,500 to $2,200 extra 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

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $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 $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $390 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the prices will be substantially 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 Find the Best Cheap Kia Optima Insurance

Finding better rates on auto insurance requires having a decent driving record, having above-average credit, being claim-free, and taking advantage of discounts. Shop around at least every other year by quoting rates from direct companies, and also from insurance agencies where you live.

The following items are a quick review of the car insurance concepts presented in the illustrations above.

• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,490 more annually than a driver with a clean driving record
• You may be able to save approximately $150 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $400 each year
• Consumers who want additional liability coverage will pay about $570 every year to increase from 30/60 bodily injury limits to the 250/500 level

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.