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.

Estimated insurance rates for a Kia Optima are $1,288 a year for full coverage insurance. Comprehensive costs on average $230 a year, collision insurance costs $358, and liability insurance costs around $520. A liability-only policy costs as low as $576 a year, and high-risk insurance costs around $2,778. 16-year-old drivers pay the most at up to $5,050 a year.

Average premium for full coverage: $1,288

Premium estimates by type of coverage:

Comprehensive $230
Collision $358
Liability $520

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Optima trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Kia Optima range from as low as $576 for just liability insurance to a high of $2,778 for a high-risk insurance policy.

Liability Only $576
Full Coverage $1,288
High Risk $2,778

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how geographic area affects car insurance rates.

Rural Areas $966
Small Cities $1,352
Large Cities $1,739

These rate differences illustrate why it is important to compare prices based on a specific location 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.

More Rate Details

The chart below illustrates average Kia Optima insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $766
  • Using higher $1,000 deductibles will save around $1,154 each year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,288
  • Buying low $100 deductibles for physical damage coverage will increase the cost to $1,544
  • Drivers with multiple tickets or accidents could pay upwards of $2,778
  • An auto insurance policy for full coverage for a teen driver may cost $5,050 or more

View Chart as Image

Kia Optima insurance cost comparison chart
Column chart showing Kia Optima insurance rates range from $766 to $5,050 for full coverage

Auto insurance prices for a Kia Optima also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Optima insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,740 on average in Michigan, New York, and Florida.

Kia Optima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,164 -$124 -9.6%
Alaska $986 -$302 -23.4%
Arizona $1,070 -$218 -16.9%
Arkansas $1,288 -$0 0.0%
California $1,466 $178 13.8%
Colorado $1,228 -$60 -4.7%
Connecticut $1,322 $34 2.6%
Delaware $1,458 $170 13.2%
Florida $1,610 $322 25.0%
Georgia $1,190 -$98 -7.6%
Hawaii $924 -$364 -28.3%
Idaho $872 -$416 -32.3%
Illinois $958 -$330 -25.6%
Indiana $970 -$318 -24.7%
Iowa $868 -$420 -32.6%
Kansas $1,222 -$66 -5.1%
Kentucky $1,754 $466 36.2%
Louisiana $1,906 $618 48.0%
Maine $796 -$492 -38.2%
Maryland $1,062 -$226 -17.5%
Massachusetts $1,028 -$260 -20.2%
Michigan $2,232 $944 73.3%
Minnesota $1,078 -$210 -16.3%
Mississippi $1,542 $254 19.7%
Missouri $1,142 -$146 -11.3%
Montana $1,382 $94 7.3%
Nebraska $1,014 -$274 -21.3%
Nevada $1,546 $258 20.0%
New Hampshire $928 -$360 -28.0%
New Jersey $1,438 $150 11.6%
New Mexico $1,140 -$148 -11.5%
New York $1,358 $70 5.4%
North Carolina $742 -$546 -42.4%
North Dakota $1,056 -$232 -18.0%
Ohio $888 -$400 -31.1%
Oklahoma $1,322 $34 2.6%
Oregon $1,178 -$110 -8.5%
Pennsylvania $1,226 -$62 -4.8%
Rhode Island $1,718 $430 33.4%
South Carolina $1,166 -$122 -9.5%
South Dakota $1,086 -$202 -15.7%
Tennessee $1,124 -$164 -12.7%
Texas $1,550 $262 20.3%
Utah $952 -$336 -26.1%
Vermont $882 -$406 -31.5%
Virginia $770 -$518 -40.2%
Washington $994 -$294 -22.8%
West Virginia $1,178 -$110 -8.5%
Wisconsin $890 -$398 -30.9%
Wyoming $1,146 -$142 -11.0%

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 $390 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

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 $1,236 $103
Kia Optima EX $1,320 $110
Kia Optima SX $1,320 $110

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 $274 $474 $486 $1,414
2019 Kia Optima $260 $458 $500 $1,398
2018 Kia Optima $250 $424 $510 $1,364
2017 Kia Optima $240 $400 $514 $1,334
2016 Kia Optima $230 $358 $520 $1,288
2015 Kia Optima $214 $330 $520 $1,244
2014 Kia Optima $206 $310 $524 $1,220
2013 Kia Optima $202 $288 $534 $1,204
2012 Kia Optima $186 $268 $534 $1,168
2011 Kia Optima $182 $244 $540 $1,146
2010 Kia Optima $170 $222 $534 $1,106
2009 Kia Optima $160 $202 $534 $1,076
2008 Kia Optima $154 $182 $530 $1,046
2007 Kia Optima $152 $178 $520 $1,030
2006 Kia Optima $150 $168 $510 $1,008
2005 Kia Optima $138 $160 $504 $982

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 the Best Kia Optima Insurance

Finding better rates on Kia Optima insurance requires having a decent driving record, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates at least every other year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a brief recap of the car insurance concepts presented in the illustrations above.

  • High-risk drivers who tend to receive serious violations pay an average of $1,490 more each year than a driver with a clean driving record
  • It is possible to save as much as $150 per year just by quoting early and online
  • Increasing policy deductibles can save around $400 each year
  • Drivers who require additional liability coverage will pay around $570 annually to increase from 30/60 bodily injury limits to 250/500 limits

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 $5,050
20 $2,956
30 $1,320
40 $1,288
50 $1,180
60 $1,156

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,544
$250 $1,426
$500 $1,288
$1,000 $1,154

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,288
50/100 $1,424
100/300 $1,554
250/500 $1,892
100 CSL $1,476
300 CSL $1,762
500 CSL $1,970

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $7,152
20 $4,712
30 $2,816
40 $2,778
50 $2,654
60 $2,630

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 $176

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $69
Homeowner $21
5-yr Accident Free $85
5-yr Claim Free $82
Paid in Full/EFT $51
Advance Quote $59
Online Quote $89
Total Discounts $522
Rate after discounts $766

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

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