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 with full coverage. Comprehensive costs on average $230 a year, collision insurance costs $358, and liability is estimated at $520. A policy with only liability insurance costs approximately $576 a year, and a high-risk policy costs around $2,778. Teens pay the most at up to $5,050 a year.

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM 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

Living in a larger city can make a big difference on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine car insurance rates.

These rate differences demonstrate why it is important to get quotes based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $766
• Choosing higher $1,000 deductibles can save around $1,154 annually
• The average price for a 40-year-old good driver with $500 deductibles is $1,288
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,544
• Higher-risk drivers with serious driving violations could pay upwards of $2,778
• An auto insurance policy to insure a 16-year-old driver may cost $5,050 each year

View Chart as Image

Car insurance prices for a Kia Optima also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your Optima.

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 annually, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low 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 will be charged upwards of $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy ranges from 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 $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,740 on average in Florida, Michigan, and New York.

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 insurance for a Kia Optima takes having a decent driving record, maintaining a good credit score, being claim-free, and possibly raising deductibles. Invest time comparing rates every year by requesting rates from direct companies, and also from local exclusive and independent agents.

The following items are a quick rundown of the coverage data covered in the charts and tables above.

• You may be able to save as much as $150 per year just by quoting early and online
• Increasing policy deductibles could save as much as $400 each year
• 16 to 18-year-old drivers are expensive to insure, possibly costing $421 per month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,490 more each year than a driver with a clean driving record

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.