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.

The average insurance rates for a Kia Optima are $1,220 a year including full coverage. Comprehensive costs on average $206, collision insurance costs $310, and liability is estimated at $524. Liability-only insurance costs approximately $580 a year, and high-risk driver insurance costs around $2,632. 16-year-old drivers cost the most to insure at up to $4,846 a year.

Average premium for full coverage: $1,220

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above highlight why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of making a decision based on rate averages.

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 different risk profiles and scenarios.

• The best full coverage rate is $731
• Choosing higher $1,000 deductibles can save around $116 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,220
• Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,446
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,632
• Policy cost for full coverage for a 16-year-old driver with full coverage may cost $4,846 each year

View Chart as Image

Auto insurance rates for a Kia Optima also range considerably based on your risk profile, the model of your Optima, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,740 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $350 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $471 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 128% more than the average rate. View High Risk Driver Rates

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 Find the Best Kia Optima Insurance

Finding cheaper rates on insurance for a Kia Optima takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief recap of the car insurance concepts covered above.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,410 more each year than a low-risk driver
• You may be able to save as much as $140 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $350 each year
• Insureds who require more liability protection will pay around $580 per year to raise limits from a 30/60 limit 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.

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.