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 costs on average $230 a year, collision insurance costs $358, and liability is $520. A liability-only policy costs around $576 a year, and high-risk insurance costs around $2,778. Teen drivers pay the most at up to $5,050 a year.

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Optima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences demonstrate why it is important to compare rates quotes based on a specific location and risk profile, instead of using price averages.

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

Rates by State, City, and Model

The chart below details average Kia Optima insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $766
• Raising to $1,000 deductibles will save around $1,154 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,288
• Choosing low $100 deductibles will increase the cost to $1,544
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,778
• An auto insurance policy for full coverage for a teen driver may cost $5,050

View Chart as Image

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

Older drivers with a good driving record and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age

Where you choose to live also has a big influence on Kia Optima insurance prices. A middle-age driver might find prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $390 every year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,500 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 130% more than average. View High Risk Driver Rates

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 car insurance consists of avoiding accidents and violations, having good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to compare rates at every other renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a quick review of the concepts that were covered above.

• Higher risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,490 more each year for car insurance
• Teenagers are charged the highest prices, possibly costing $421 per month if they have full coverage
• You may be able to save as much as $150 per year just by quoting early and online
• Increasing policy deductibles can save around $400 each year
• You may be able to save as much as $150 per year just 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.