Kia Optima EX Insurance Rates

Estimated insurance rates for a Kia Optima EX are $1,502 a year with full coverage. Comprehensive costs on average $340, collision costs $572, and liability insurance costs $410. A policy with only liability insurance costs as little as $486 a year, with a high-risk policy costing around $3,228. Teen drivers pay the most at $5,536 a year or more.

Annual premium for full coverage: $1,502

Premium estimates by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Kia Optima Trim Level

Insurance Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than larger metro areas.

The price range example below illustrates how location impacts car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location, rather than relying on price averages.

Use the form below to get rates for your location.

Car insurance rates for a Kia Optima EX also have a wide range based on the model year, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,500 a year. View Rates by Age

Where you choose to live makes a big difference in Kia Optima EX insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $610 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $369 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range of prices, the best way to find out exactly what you will pay is to compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be substantially different.

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The chart above shows Kia Optima EX insurance prices for different risks and coverage choices. The lowest price with discounts is $874. Drivers who choose higher $1,000 deductibles will pay $1,294. The average price for a 40-year-old male driver using $500 deductibles is $1,502. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,902. High risk drivers could be charged up to $3,228. The price for full coverage insurance for a teen driver is $5,536.

View Chart as Image