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.

U.S. average insurance rates for a Kia Optima are $1,288 a year including full coverage. Comprehensive costs on average $230 a year, collision insurance costs $358, and liability insurance costs around $520. Buying just liability costs as low as $576 a year, and insurance for high-risk drivers costs around $2,778. 16-year-old drivers pay the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Optima trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how location impacts car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location and risk profile, rather than relying on rate averages.

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

More Rate Details

The chart below breaks down average 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 $1,154 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,288
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,544
• Drivers with multiple tickets or accidents could pay upwards of $2,778
• The price for full coverage for a teen driver may cost $5,050 or more

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on your driving record, the model of your Optima, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age

The state you live in has a huge impact on Kia Optima insurance rates. A driver around age 40 might see prices as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $390 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2016 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 Cheaper Kia Optima Insurance

Getting lower rates on Kia Optima insurance requires being a safe and courteous driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around at least every other year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a condensed summary of the car insurance concepts touched on above.

• High-risk drivers with multiple at-fault accidents may pay on average $1,490 more each year for auto insurance
• You may be able to save as much as $150 per year just by quoting early and online
• Increasing physical damage deductibles can save around $400 each year
• Drivers who require higher levels of liability will pay around $570 per year to increase from a low limit to 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.