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.

Average auto insurance rates for a Kia Optima are $1,288 annually including full coverage. Comprehensive costs around $230 each year, collision insurance costs $358, and liability costs $520. A policy with just liability insurance costs as little as $576 a year, and coverage for high-risk drivers costs around $2,778. 16-year-old drivers receive the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Rate estimates for individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Optima models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how location helps determine auto insurance rates.

These examples highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below breaks down average Kia Optima insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $766
• Drivers who choose higher $1,000 deductibles will pay about $134 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,288
• Buying low deductibles for comprehensive and collision insurance will cost $1,544
• Drivers with multiple tickets or accidents could pay at least $2,778
• The cost with full coverage for a 16-year-old driver can be $5,050 a year

View Chart as Image

Insurance rates for a Kia Optima can also vary considerably based on the trim level of your Optima, your driving characteristics, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $390 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay 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

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 Buy the Best Kia Optima Insurance

Saving money on insurance for a Kia Optima not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a brief recap of the data covered in the charts and tables above.

• Insureds who may need higher liability limits will pay around $570 per year to go from a minimum limit to higher 250/500 limits
• You may be able to save up to $150 per year just by quoting online in advance
• Increasing deductibles could save up to $400 each year
• Teenagers are charged the highest rates, as much as $421 per month if they have full coverage

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.