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.

The average insurance prices for a Kia Optima are $1,244 every 12 months including full coverage. Comprehensive costs an estimated $214 each year, collision costs $330, and liability coverage is estimated at $520. Liability-only insurance costs approximately $576 a year, with high-risk driver insurance costing around $2,682. Teenage drivers cost the most to insure at $4,916 a year or more.

Average premium for full coverage: $1,244

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Optima models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why all drivers should get quotes for a targeted area 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 breaks down estimated 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 average price for a good driver age 40 who has $500 deductibles is $1,244
• Using low deductibles for comp and collision coverage increases the price to $1,482
• Drivers who are prone to accidents and violations could pay up to $2,682 or more
• Policy cost to insure a teenage driver can cost as much as $4,916 each year

View Chart as Image

Auto insurance rates for a Kia Optima also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

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

More mature drivers with a good driving record and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 134% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Kia Optima insurance rates. 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

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.

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

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a quick rundown of the car insurance concepts covered above.

• Drivers with reckless driving or DUI convictions may have to pay on average $1,440 more annually for car insurance
• You may be able to save approximately $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Consumers who want higher liability limits will pay an extra $570 per year to raise limits from a 30/60 limit to a 250/500 level

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.