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 on average $214, collision costs $330, and liability coverage costs around $520. Buying just liability costs as low as $576 a year, with insurance for high-risk drivers costing $2,682 or more. Teenage drivers receive the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,244

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Optima trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These examples show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $742
• Using higher $1,000 deductibles will save around $124 a year
• The average price for a 40-year-old driver with $500 deductibles is $1,244
• Using more expensive low deductibles for physical damage coverage costs an extra $238 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,682 or more
• The cost to insure a teenage driver with full coverage may cost $4,916 or more

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 trim level of your Optima.

Using high physical damage deductibles could cut rates by as much as $370 a year, while increasing your policy's liability limits will cost you more. 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

An older driver with a good driving record and higher deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $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 at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can be around 43% to 134% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Kia Optima insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,770 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know exactly what you will pay is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly 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 Shop for Cheap Kia Optima Insurance

Saving money on auto insurance requires having a decent driving record, having a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Set aside time to compare rates once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief summary of the data that was covered above.

• Drivers can save as much as $140 per year simply by shopping early and online
• Consumers who require additional liability coverage will pay an extra $570 each year to increase from a minimum limit to a 250/500 level
• 16 to 18-year-old drivers are charged the highest rates, costing as high as $410 per month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations pay an average of $1,440 more each year than a driver with a clean driving record

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.