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.

U.S. average auto insurance rates for a Kia Optima are $1,220 annually for full coverage insurance. Comprehensive insurance costs around $206, collision insurance costs $310, and liability coverage is estimated at $524. A policy with just liability insurance costs approximately $580 a year, and coverage for high-risk drivers costs $2,632 or more. Teen drivers pay the highest rates at up to $4,846 a year.

Average premium for full coverage: $1,220

Price estimates for individual coverage:

Prices are based on $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Optima models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance rates.

The ranges above illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

The chart below illustrates average Kia Optima insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $731
• Choosing higher $1,000 deductibles can save about $116 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,220
• Choosing pricier low deductibles for comp and collision coverage costs an additional $226 each year
• Drivers with multiple violations and an at-fault accident could pay at least $2,632
• The price with full coverage for a teenage driver for full coverage can be $4,846 each year

View Chart as Image

Insurance prices for a Kia Optima are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,400 to $2,100 extra each year, depending on your age. Kia Optima insurance for high-risk drivers ranges around 43% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $350 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $471 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Kia Optima insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,650 on average in Michigan, New York, and Florida.

View Chart as Image

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 Buy Affordable Kia Optima Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a brief review of the car insurance concepts raised in the charts and tables above.

• Drivers with DUI or reckless driving convictions pay on average $1,410 more every year for Optima insurance
• It is possible to save up to $140 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $350 each year
• Consumers who may need higher liability limits will pay about $580 annually to raise limits from a low limit to higher 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.

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.