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 for full coverage insurance. Comprehensive costs an estimated $230, collision costs $358, and liability costs around $520. A policy with just liability insurance costs as low as $576 a year, with coverage for high-risk drivers costing around $2,778. 16-year-old drivers pay the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Price estimates broken down by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for different Optima trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities.

The price range example below illustrates the difference location can make on insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based on rate averages.

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

More Rate Information

The chart below illustrates estimated Kia Optima insurance rates for other coverage scenarios.

• The best full coverage rate is $766
• Using higher $1,000 deductibles will save approximately $134 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,288
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,544
• High-risk insureds with multiple tickets or accidents could pay up to $2,778 or more
• The price that insures a 16-year-old driver with full coverage can cost as much as $5,050 or more

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance can be from 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,000 a year. View Rates by Age

The state you live in has a huge impact on Kia Optima insurance prices. A driver around age 40 might see prices as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,740 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $390 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so the prices may be quite different.

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 insurance for a Kia Optima requires having a decent driving record, having above-average credit, not filing small claims, and taking advantage of discounts. Comparison shop every other policy renewal by getting quotes from direct insurance companies, and also from local insurance agencies.

The following items are a condensed summary of the ideas that were touched on in this article.

• 16 to 18-year-old drivers are charged the highest prices, as much as $421 a month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,490 more annually than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $400 each year
• It is possible to save approximately $150 per year simply by shopping 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.