Kia Optima Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 24, 2024

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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.

U.S. average insurance rates for a Kia Optima are $1,244 a year for full coverage insurance. Comprehensive insurance costs an estimated $214 each year, collision costs $330, and liability insurance costs around $520. Liability-only coverage costs as low as $576 a year, with high-risk coverage costing $2,682 or more. 16-year-old drivers pay the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,244

Price estimates broken down by individual coverage:

Comprehensive $214
Collision $330
Liability $520

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Optima models.

Price Range from Low to High

For the normal driver, Kia Optima insurance prices go from as low as $576 for just liability coverage to a high rate of $2,682 for a driver who has had serious violations or accidents.

Liability Only $576
Full Coverage $1,244
High Risk $2,682

Geographic Price Range

Where you live has a significant impact on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates how geographic area affects insurance prices.

Rural Areas $933
Small Cities $1,306
Large Cities $1,679

The ranges above illustrate why all drivers should compare prices for a targeted area and risk profile, rather than relying on rate 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.

Detailed Rate Analysis

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

  • The best full coverage rate is $742
  • Using higher $1,000 deductibles will save approximately $124 each year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,244
  • Buying low deductibles for physical damage coverage will cost an extra $238 a year
  • Drivers with multiple tickets or accidents could pay up to $2,682 or more
  • The price for full coverage for a teen driver can cost as much as $4,916 or more

View Chart as Image

Kia Optima insurance cost comparison chart
Column chart showing full coverage Kia Optima insurance prices range from $742 to $4,916

Auto insurance prices for a Kia Optima are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

The state you live in has a huge impact on Kia Optima insurance rates. A driver around age 40 might see prices as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,680 on average in Florida, New York, and Michigan.

Kia Optima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,124 -$120 -9.6%
Alaska $952 -$292 -23.5%
Arizona $1,034 -$210 -16.9%
Arkansas $1,244 -$0 0.0%
California $1,416 $172 13.8%
Colorado $1,184 -$60 -4.8%
Connecticut $1,276 $32 2.6%
Delaware $1,406 $162 13.0%
Florida $1,556 $312 25.1%
Georgia $1,148 -$96 -7.7%
Hawaii $892 -$352 -28.3%
Idaho $844 -$400 -32.2%
Illinois $926 -$318 -25.6%
Indiana $938 -$306 -24.6%
Iowa $838 -$406 -32.6%
Kansas $1,182 -$62 -5.0%
Kentucky $1,694 $450 36.2%
Louisiana $1,842 $598 48.1%
Maine $768 -$476 -38.3%
Maryland $1,024 -$220 -17.7%
Massachusetts $994 -$250 -20.1%
Michigan $2,156 $912 73.3%
Minnesota $1,042 -$202 -16.2%
Mississippi $1,488 $244 19.6%
Missouri $1,102 -$142 -11.4%
Montana $1,334 $90 7.2%
Nebraska $980 -$264 -21.2%
Nevada $1,494 $250 20.1%
New Hampshire $896 -$348 -28.0%
New Jersey $1,390 $146 11.7%
New Mexico $1,100 -$144 -11.6%
New York $1,312 $68 5.5%
North Carolina $718 -$526 -42.3%
North Dakota $1,020 -$224 -18.0%
Ohio $858 -$386 -31.0%
Oklahoma $1,276 $32 2.6%
Oregon $1,138 -$106 -8.5%
Pennsylvania $1,184 -$60 -4.8%
Rhode Island $1,660 $416 33.4%
South Carolina $1,126 -$118 -9.5%
South Dakota $1,048 -$196 -15.8%
Tennessee $1,086 -$158 -12.7%
Texas $1,498 $254 20.4%
Utah $918 -$326 -26.2%
Vermont $852 -$392 -31.5%
Virginia $744 -$500 -40.2%
Washington $960 -$284 -22.8%
West Virginia $1,138 -$106 -8.5%
Wisconsin $860 -$384 -30.9%
Wyoming $1,106 -$138 -11.1%

View Chart as Image

Kia Optima insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $370 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Kia Optima Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Optima LX $1,198 $100
Kia Optima EX $1,274 $106
Kia Optima SX $1,274 $106

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.

Kia Optima Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Optima $260 $458 $500 $1,398
2019 Kia Optima $250 $424 $510 $1,364
2018 Kia Optima $240 $400 $514 $1,334
2017 Kia Optima $230 $358 $520 $1,288
2016 Kia Optima $214 $330 $520 $1,244
2015 Kia Optima $206 $310 $524 $1,220
2014 Kia Optima $202 $288 $534 $1,204
2013 Kia Optima $186 $268 $534 $1,168
2012 Kia Optima $182 $244 $540 $1,146
2011 Kia Optima $170 $222 $534 $1,106
2010 Kia Optima $160 $202 $534 $1,076
2009 Kia Optima $154 $182 $530 $1,046
2008 Kia Optima $152 $178 $520 $1,030
2007 Kia Optima $150 $168 $510 $1,008
2006 Kia Optima $138 $160 $504 $982
2005 Kia Optima $132 $152 $500 $964

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 Find Low Cost Kia Optima Insurance

Getting lower rates on Kia Optima insurance requires avoiding accidents and claims, having good credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a review of the ideas that were presented in the illustrations above.

  • Drivers under the age of 20 are the costliest to insure, as much as $410 a month if they have full coverage
  • High-risk drivers who have several accidents or serious violations pay on average $1,440 more annually to insure a Kia Optima
  • Increasing physical damage deductibles can save around $350 each year
  • It is possible to save approximately $140 per year simply by quoting online in advance

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.

Rates by Driver Age

Kia Optima Insurance Rates by Driver Age
Driver Age Premium
16 $4,916
20 $2,854
30 $1,272
40 $1,244
50 $1,140
60 $1,116

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,482
$250 $1,372
$500 $1,244
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,244
50/100 $1,378
100/300 $1,508
250/500 $1,846
100 CSL $1,430
300 CSL $1,716
500 CSL $1,924

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $6,952
20 $4,550
30 $2,716
40 $2,682
50 $2,564
60 $2,540

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.

SR-22 Surcharge $169

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $67
Homeowner $21
5-yr Accident Free $81
5-yr Claim Free $79
Paid in Full/EFT $48
Advance Quote $57
Online Quote $85
Total Discounts $502
Rate after discounts $742

Discounts are estimated and may not be available from every company or in every state.

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