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 auto insurance rates for a Kia Optima are $1,244 annually including full coverage. Comprehensive insurance costs an estimated $214 each year, collision insurance costs $330, and liability is estimated at $520. Liability-only coverage costs approximately $576 a year, and high-risk coverage costs $2,682 or more. Teenage drivers pay the most at up to $4,916 a year.

Average premium for full coverage: $1,244

Premium estimates broken down by type of coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Optima models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

These rate differences highlight why all drivers should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $742
• Choosing higher $1,000 deductibles can save approximately $124 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,244
• Using low deductibles for comp and collision coverage costs an additional $238 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,682
• An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $4,916 each year

View Chart as Image

Insurance prices for a Kia Optima also have a wide range based on the model of your Optima, your driving characteristics, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $370 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,770 on average in Louisiana, New York, 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 Buy Cheaper Kia Optima Insurance

Finding better rates on insurance for a Kia Optima takes being a low-risk driver, having a good credit history, refrain from filing small claims, and deciding if full coverage is necessary. Spend time shopping around every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The items below are a condensed summary of the coverage data touched on above.

• You may be able to save approximately $140 per year just by quoting online in advance
• Increasing policy deductibles could save up to $350 each year
• Teen drivers are charged the highest prices, with the cost nearing $410 per month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,440 more annually to insure their Optima

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.