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: 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.

U.S. average insurance rates for a Kia Optima are $1,030 a year including full coverage. Comprehensive costs an estimated $152, collision insurance costs $178, and liability costs around $520. Buying just liability costs as low as $576 a year, and insurance for high-risk drivers costs around $2,206. Teenage drivers pay the highest rates at up to $4,226 a year.

Average premium for full coverage: $1,030

Price estimates broken down by individual coverage:

Comprehensive $152
Collision $178
Liability $520

Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Optima trim levels.

Price Range from Low to High

For the average driver, Kia Optima insurance prices range from as low as $576 for basic liability insurance to a much higher rate of $2,206 for a driver that may need high-risk insurance.

Liability Only $576
Full Coverage $1,030
High Risk $2,206

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts insurance prices.

Rural Areas $773
Small Cities $1,082
Large Cities $1,391

The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using average rates.

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.

Rate Comparisons

The chart below breaks down average Kia Optima insurance rates for other coverage scenarios.

  • The best discount rate is $637
  • Using higher $1,000 deductibles will save approximately $76 every year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,030
  • Using more expensive low deductibles for physical damage coverage will increase the cost to $1,170
  • Drivers who are prone to accidents and violations could pay up to $2,206
  • The price for full coverage for a teen driver with full coverage can cost as much as $4,226 or more

View Chart as Image

Kia Optima insurance cost comparison chart
Column chart showing Kia Optima insurance rates range from $637 to $4,226 for full coverage

Insurance prices for a Kia Optima are also quite variable based on your driving record, the model of your Optima, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as little as $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $4,200 a year. View Rates by Age

The state you live in has a huge impact on Kia Optima insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,470 on average in Louisiana, New York, and Michigan.

Kia Optima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $930 -$100 -9.7%
Alaska $788 -$242 -23.5%
Arizona $856 -$174 -16.9%
Arkansas $1,030 -$0 0.0%
California $1,172 $142 13.8%
Colorado $982 -$48 -4.7%
Connecticut $1,056 $26 2.5%
Delaware $1,164 $134 13.0%
Florida $1,288 $258 25.0%
Georgia $950 -$80 -7.8%
Hawaii $740 -$290 -28.2%
Idaho $698 -$332 -32.2%
Illinois $766 -$264 -25.6%
Indiana $776 -$254 -24.7%
Iowa $694 -$336 -32.6%
Kansas $976 -$54 -5.2%
Kentucky $1,402 $372 36.1%
Louisiana $1,524 $494 48.0%
Maine $636 -$394 -38.3%
Maryland $848 -$182 -17.7%
Massachusetts $822 -$208 -20.2%
Michigan $1,784 $754 73.2%
Minnesota $862 -$168 -16.3%
Mississippi $1,232 $202 19.6%
Missouri $912 -$118 -11.5%
Montana $1,104 $74 7.2%
Nebraska $812 -$218 -21.2%
Nevada $1,234 $204 19.8%
New Hampshire $742 -$288 -28.0%
New Jersey $1,150 $120 11.7%
New Mexico $908 -$122 -11.8%
New York $1,084 $54 5.2%
North Carolina $594 -$436 -42.3%
North Dakota $844 -$186 -18.1%
Ohio $708 -$322 -31.3%
Oklahoma $1,056 $26 2.5%
Oregon $942 -$88 -8.5%
Pennsylvania $980 -$50 -4.9%
Rhode Island $1,372 $342 33.2%
South Carolina $932 -$98 -9.5%
South Dakota $868 -$162 -15.7%
Tennessee $900 -$130 -12.6%
Texas $1,240 $210 20.4%
Utah $760 -$270 -26.2%
Vermont $706 -$324 -31.5%
Virginia $616 -$414 -40.2%
Washington $794 -$236 -22.9%
West Virginia $942 -$88 -8.5%
Wisconsin $712 -$318 -30.9%
Wyoming $916 -$114 -11.1%

View Chart as Image

Kia Optima insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $220 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,200 to $1,800 additional each year, depending on your age. High-risk driver insurance can be as much as 43% to 130% more than a normal policy. 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 $1,002 $84
Kia Optima EX $1,046 $87
Kia Optima SX $1,046 $87

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.

Kia Optima Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Kia Optima $214 $330 $520 $1,244
2014 Kia Optima $206 $310 $524 $1,220
2013 Kia Optima $202 $288 $534 $1,204
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

Getting lower rates on car insurance requires being a safe and courteous driver, having a good credit history, being claim-free, and possibly raising deductibles. Spend time shopping around once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a brief recap of the data that was touched on above.

  • You may be able to save approximately $110 per year just by shopping early and online
  • Policyholders who want higher levels of liability will pay an extra $570 per year to increase from a low limit to 250/500 limits
  • Teenage drivers are expensive to insure, possibly costing $352 a month including comprehensive and collision insurance
  • Higher risk drivers who tend to receive serious violations may pay on average $1,180 more annually for auto insurance

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 $4,226
20 $2,346
30 $1,038
40 $1,030
50 $946
60 $926

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,170
$250 $1,108
$500 $1,030
$1,000 $954

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,030
50/100 $1,150
100/300 $1,280
250/500 $1,618
100 CSL $1,202
300 CSL $1,488
500 CSL $1,696

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Insurance Rates for High Risk Drivers
Age Premium
16 $5,934
20 $3,738
30 $2,218
40 $2,206
50 $2,110
60 $2,090

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 $136

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $56
Homeowner $19
5-yr Accident Free $59
5-yr Claim Free $63
Paid in Full/EFT $34
Advance Quote $43
Online Quote $68
Total Discounts $393
Rate after discounts $637

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

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