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 auto insurance rates for a Kia Optima are $1,244 annually for full coverage insurance. Comprehensive costs around $214 a year, collision insurance costs $330, and liability is $520. A liability-only policy costs around $576 a year, and high-risk insurance costs around $2,682. 16-year-old drivers receive the highest rates at up to $4,916 a year.

Average premium for full coverage: $1,244

Rate estimates for individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Optima trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities. The diagram below illustrates how where you live affects auto insurance rates.

These examples illustrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below illustrates average Kia Optima insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $742
• Raising to $1,000 deductibles will save about $1,120 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,244
• Buying low $100 deductibles will cost $1,482
• Drivers with multiple tickets or accidents could pay at least $2,682
• The cost with full coverage for a 16-year-old driver can be $4,916

View Chart as Image

Insurance rates for a Kia Optima can also vary considerably based on the trim level of your Optima, your risk profile, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $370 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Kia Optima insurance prices. A middle-age driver might find rates as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,680 on average in Michigan, New York, and Florida.

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 Buy the Best Cheap Kia Optima Insurance

Saving money on insurance for a Kia Optima consists of having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a quick review of the material that was touched on in the above illustrations.

• Insureds who may need additional liability coverage will pay around $570 annually to raise from a minimum limit to higher 250/500 limits
• 16 to 18-year-old drivers pay higher rates, costing up to $410 per month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,440 more every year than a driver with a clean driving record
• Increasing deductibles could save up to $350 each year

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.