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 insurance prices for a Kia Optima are $1,244 every 12 months for full coverage. Comprehensive insurance costs an estimated $214, collision insurance costs $330, and liability coverage costs $520. Buying just liability costs as little as $576 a year, and insurance for high-risk drivers costs $2,682 or more. Teens receive the highest rates at up to $4,916 a year.

Average premium for full coverage: $1,244

Rate estimates broken down by individual coverage type:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all Optima models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on insurance prices.

These examples show why everyone should compare rates for a targeted area and their own driving history, rather than using averaged prices.

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

Rate Comparisons

The chart below shows average Kia Optima insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $742
• Drivers who choose higher $1,000 deductibles will pay approximately $124 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,244
• Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $238 each year
• High-risk insureds with serious driving violations could pay up to $2,682
• The cost to insure a teenage driver for full coverage can cost as much as $4,916 a year

View Chart as Image

Auto insurance rates for a Kia Optima can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $370 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. Kia Optima insurance for high-risk drivers can cost around 43% to 134% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,770 on average in New York, Louisiana, and Michigan.

View Chart as Image

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 Shop for the Right Kia Optima Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Take the time to compare rates every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a quick rundown of the ideas that were covered in the above illustrations.

• Drivers under the age of 20 are the costliest to insure, costing as high as $410 per month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions pay on average $1,440 more annually to insure a Kia Optima
• Increasing deductibles could save as much as $350 each year
• Drivers can save approximately $140 per year just by quoting online well ahead of the renewal date

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.