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.

Estimated insurance prices for a Kia Optima are $1,288 every 12 months for full coverage. Comprehensive insurance costs an estimated $230, collision costs $358, and liability costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing $2,778 or more. Teenage drivers pay the most at $5,050 a year or more.

Average premium for full coverage: $1,288

Premium estimates broken down by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for all Optima models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

These rate differences show why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $766
• Using higher $1,000 deductibles will save approximately $134 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,288
• Using pricier low deductibles for physical damage coverage costs an extra $256 annually
• High-risk insureds who are prone to accidents and violations could pay up to $2,778 or more
• An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $5,050 or more

View Chart as Image

Auto insurance prices for a Kia Optima also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $390 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,500 to $2,200 in extra premium annually, depending on your age. Kia Optima insurance for high-risk drivers can be from 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Kia Optima insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 More Affordable Kia Optima Insurance

Finding better rates on insurance for a Kia Optima requires being safe and accident-free, having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

Below you'll find a summary of the data touched on in this article.

• Insureds who want more liability protection will pay an extra $570 each year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $400 each year
• Youthful drivers are the costliest to insure, as much as $421 per month if comprehensive and collision insurance is included

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.