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.

Estimated auto insurance rates for a Kia Optima are $1,220 annually for full coverage insurance. Comprehensive costs on average $206 a year, collision insurance costs $310, and liability coverage is $524. Liability-only insurance costs around $580 a year, and high-risk driver insurance costs around $2,632. Teens pay the most at up to $4,846 a year.

Average premium for full coverage: $1,220

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Optima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Rate Comparisons

The chart below illustrates average Kia Optima insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $731
• Raising to $1,000 deductibles will save around $1,104 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,220
• Selecting low $100 deductibles will cost $1,446
• Unlucky drivers with serious driving violations could pay upwards of $2,632
• An auto insurance policy with full coverage for a teenage driver may cost $4,846

View Chart as Image

Insurance prices for a Kia Optima also have a wide range based on the model of your Optima, your risk profile, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,400 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 128% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $350 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $471 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Kia Optima insurance rates. A middle-age driver might find prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $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 the Best Cheap Kia Optima Insurance

Finding better rates on auto insurance consists of being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to compare rates every other policy renewal by getting rate quotes from direct insurance companies, and also from local exclusive and independent agents.

Below is a quick review of the ideas that were covered in the above illustrations.

• Teenage drivers pay higher prices, with premiums being up to $404 per month if they have full coverage
• Drivers with a DUI or reckless driving violation may pay on average $1,410 more each year for auto insurance
• Increasing policy deductibles could save up to $350 each year
• It is possible to save as much as $140 per year just by quoting early and online

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.