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 with full coverage. Comprehensive insurance costs on average $230 a year, 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 $2,778 or more. Teen drivers pay the highest rates at $5,050 a year or more.

Average premium for full coverage: $1,288

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Optima trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $766
• Using higher $1,000 deductibles will save around $1,154 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,288
• Choosing low $100 deductibles for physical damage coverage will cost an extra $256 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,778 or more
• The price for full coverage for a 16-year-old 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 trim level and model year, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect 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 prices. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $390 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

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

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the prices may be quite different from one company to the next.

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 Find Affordable Kia Optima Insurance

Getting lower rates on insurance for a Kia Optima requires having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest the time to compare rates every time your policy renews by getting price quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The following items are a brief review of the information presented in the illustrations above.

• You may be able to save as much as $150 per year simply by quoting early and online
• 16 to 18-year-old drivers pay the highest prices, costing up to $421 a month for full coverage
• Increasing physical damage deductibles can save around $400 each year
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,490 more each year than a driver with a clean driving record
• Insureds who require additional liability coverage will pay about $570 every 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.