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.

Average auto insurance rates for a Kia Optima are $1,288 annually including full coverage. Comprehensive insurance costs around $230, collision insurance costs $358, and liability insurance costs $520. A liability-only policy costs as little as $576 a year, and high-risk insurance costs $2,778 or more. Teenage drivers receive the highest rates at up to $5,050 a year.

Average premium for full coverage: $1,288

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Optima trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $766
• Drivers who choose higher $1,000 deductibles will pay about $134 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,288
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $256 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,778
• The cost with full coverage for a teen driver with full coverage can be $5,050 a year

View Chart as Image

Insurance rates for a Kia Optima can also vary considerably based on the trim level of your Optima, your driving characteristics, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $390 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Optima insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,840 on average in Michigan, New York, and Louisiana.

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 Cheap Kia Optima Insurance

Saving money on Kia Optima insurance not only requires avoiding accidents and claims, but also having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop every couple of years by requesting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The points below are a brief summary of the material that was touched on in the above illustrations.

• Drivers who may need increased liability limits will pay an extra $570 per year to go from a minimum limit to higher 250/500 limits
• Drivers under the age of 20 pay higher rates, as much as $421 per month including comprehensive and collision insurance
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,490 more every year to insure a Kia Optima
• Increasing deductibles could save up to $400 each year

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.