Kia Optima Insurance Rates
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UPDATED: Nov 30, 2021
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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 $1,046 every 12 months for full coverage insurance. Comprehensive costs an estimated $154 each year, collision insurance costs $182, and liability is $530. Liability-only coverage costs around $584 a year, and high-risk coverage costs around $2,242. Teen drivers cost the most to insure at up to $4,294 a year.
Average premium for full coverage: $1,046
Policy rates broken down by type of insurance:
These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Optima models.
Price Range Variability
Using a 40-year-old driver as an example, Kia Optima insurance rates range from the cheapest price of $584 for basic liability insurance to a high rate of $2,242 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.
The examples above illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
The chart below illustrates average Kia Optima insurance rates for other coverage scenarios.
- The lowest rate with discounts is $645
- Raising to $1,000 deductibles will save approximately $76 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,046
- Choosing low deductibles increases the price to $1,190
- Drivers with multiple violations and an at-fault accident could pay up to $2,242
- Policy cost to insure a 16-year-old driver can cost as much as $4,294
Insurance rates for a Kia Optima also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Choosing high deductibles can reduce rates by up to $220 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $477 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,200 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 probably paying $1,200 to $1,800 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 127% more than average. View High Risk Driver Rates
Your home state also has a big influence on Kia Optima insurance prices. A middle-age driver might find rates as low as $680 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,410 on average in Florida, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Kia Optima LX||$1,018||$85|
|Kia Optima EX||$1,064||$89|
|Kia Optima SX||$1,064||$89|
Rates assume 2007 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2015 Kia Optima||$230||$358||$520||$1,288|
|2014 Kia Optima||$214||$330||$520||$1,244|
|2013 Kia Optima||$206||$310||$524||$1,220|
|2011 Kia Optima||$186||$268||$534||$1,168|
|2010 Kia Optima||$182||$244||$540||$1,146|
|2009 Kia Optima||$170||$222||$534||$1,106|
|2008 Kia Optima||$160||$202||$534||$1,076|
|2007 Kia Optima||$154||$182||$530||$1,046|
|2006 Kia Optima||$152||$178||$520||$1,030|
|2005 Kia Optima||$150||$168||$510||$1,008|
Rates are averaged for all Kia Optima models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheap Kia Optima Insurance
Finding cheaper rates on insurance for a Kia Optima consists of being a safe and courteous driver, having above-average credit, being claim-free, and possibly raising deductibles. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies, and also from insurance agencies where you live.
Below is a brief summary of the information raised in the charts and tables above.
- It is possible to save approximately $110 per year just by quoting online in advance
- Teenage drivers are expensive to insure, possibly costing $358 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save as much as $225 each year
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,200 more annually for auto insurance
- Insureds who want higher levels of liability will pay about $580 annually to raise 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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$60|
|5-yr Claim Free||$65|
|Paid in Full/EFT||$35|
Discounts are estimated and may not be available from every company or in every state.