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 $1,244 a year for full coverage insurance. Comprehensive costs approximately $214 each year, collision costs $330, and liability costs $520. Liability-only insurance costs as little as $576 a year, with high-risk driver insurance costing around $2,682. 16-year-old drivers cost the most to insure at $4,916 a year or more.

Average premium for full coverage: $1,244

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Optima models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how location impacts auto insurance prices.

The examples above illustrate why all drivers should compare rates using their specific location, instead of using rate averages.

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

Rate Comparisons

The chart below illustrates estimated Kia Optima insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $742
• Drivers who choose higher $1,000 deductibles will pay $124 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,244
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,482
• Higher-risk drivers with multiple tickets or accidents could pay around $2,682 or more
• Policy cost that insures a teen driver can cost $4,916 a year

View Chart as Image

Auto insurance rates for a Kia Optima also range considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,680 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $370 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied.

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 Right Kia Optima Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, being claim-free, and not having any coverage lapses. Comparison shop every year by requesting quotes from direct insurance companies, and also from your local car insurance providers.

Below you'll find a quick rundown of the coverage data touched on above.

• It is possible to save around $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Youthful drivers have the highest car insurance rates, possibly costing $410 each month if the policy includes full coverage
• Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,440 more per year than a low-risk driver

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.