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 prices for a Kia Optima are $1,288 every 12 months including full coverage. Comprehensive insurance costs an estimated $230, collision insurance costs $358, and liability is estimated at $520. Liability-only insurance costs approximately $576 a year, and high-risk driver insurance costs $2,778 or more. Teens pay the most at up to $5,050 a year.

Average premium for full coverage: $1,288

Premium estimates broken down by type of coverage:

Prices include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Optima models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.

These rate differences highlight why everyone should get quotes for a targeted area and their own driving history, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average Kia Optima insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $766
• Choosing higher $1,000 deductibles can save approximately $134 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,288
• Selecting pricier low deductibles for comp and collision coverage costs an extra $256 every year
• Unlucky drivers with serious driving violations could pay up to $2,778
• An auto insurance policy to insure a teen driver for full coverage can cost as much as $5,050 each year

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Insurance prices for a Kia Optima also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,500 to $2,200 additional annually, depending on your age. Kia Optima insurance for high-risk drivers ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,840 on average in Louisiana, New York, and Michigan.

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 Shop for the Right Kia Optima Insurance

Finding better rates on car insurance takes having a good driving record, having above-average credit, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates at every other renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a quick rundown of the concepts that were touched on in this article.

• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,490 more annually to buy Kia Optima insurance
• Drivers age 20 and younger are expensive to insure, with the cost nearing $421 per month if full coverage is included
• You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $400 each year
• You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date

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.