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 rates for a Kia Optima are $1,244 a year with full coverage. Comprehensive insurance costs an estimated $214 a year, collision costs $330, and liability is estimated at $520. A liability-only policy costs approximately $576 a year, with high-risk insurance costing $2,682 or more. 16-year-old 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:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities.

The diagram below illustrates how your location can change insurance prices.

The examples above demonstrate why it is important to get quotes for a targeted area, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $742
• Choosing higher $1,000 deductibles can save approximately $1,120 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,244
• Buying low $100 deductibles for comp and collision coverage will cost an additional $238 every year
• Unlucky drivers with multiple tickets or accidents could pay up to $2,682 or more
• Policy cost that insures a teen driver can cost as much as $4,916 each year

View Chart as Image

Car insurance rates for a Kia Optima also range considerably based on the trim level of your Optima, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Utah, Ohio, and New Hampshire, or at least $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $370 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes 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 Find the Best Kia Optima Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having a positive credit history, not filing small claims, and not having any coverage lapses. Comparison shop every time your policy renews by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The list below is a brief recap of the information illustrated above.

• You may be able to save approximately $140 per year simply by quoting early and online
• Teenagers have the highest car insurance rates, as much as $410 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,440 more annually for car insurance
• Policyholders who want higher liability limits will pay around $570 every year to raise limits from a 30/60 limit to the 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.