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. Comprehensive costs on average $230, collision costs $358, and liability costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing around $2,778. 16-year-old drivers pay the most at $5,050 a year or more.

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities.

The price range example below illustrates the difference location can make on car insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices based on a specific location, instead of using rate averages.

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

Additional Charts and Tables

The chart below shows estimated Kia Optima insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $766
• Using higher $1,000 deductibles will save around $134 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,288
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,544
• Drivers with multiple tickets or accidents could pay upwards of $2,778 or more
• An auto insurance policy that insures a teen driver with full coverage may cost $5,050 or more

View Chart as Image

Auto insurance prices for a Kia Optima also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,500 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $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 will have to pay upwards of $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Optima insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Idaho, Maine, and Iowa, or at least $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $390 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, and quoted 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 Affordable Kia Optima Insurance

Finding better rates on car insurance requires being a safe and courteous driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop at least every other year by getting quotes from direct carriers, and also from local exclusive and independent agents.

Below is a brief review of the car insurance concepts touched on in this article.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,490 more each year for auto insurance
• Drivers can save as much as $150 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $400 each year
• Policyholders who require higher levels of liability will pay around $570 each 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.