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.

U.S. average insurance prices for a Kia Optima are $1,244 every 12 months with full coverage. Comprehensive costs around $214, collision costs $330, and liability is $520. Liability-only coverage costs around $576 a year, with high-risk coverage costing around $2,682. 16-year-old drivers pay the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,244

Price estimates for individual coverage:

Full coverage includes $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Optima models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population have more infrequent collision claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance rates.

The ranges above demonstrate why everyone should compare rates quotes for a specific zip code and their own driving history, instead of using rate averages.

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

More Rate Details

The chart below details estimated Kia Optima insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $742
• Raising to $1,000 deductibles will save about $124 annually
• The average price for the average middle-age driver using $500 deductibles is $1,244
• Buying pricier low deductibles increases the price to $1,482
• At-risk drivers with multiple tickets or accidents could pay at least $2,682 or more
• The price to insure a teen driver for full coverage can be $4,916

View Chart as Image

Auto insurance prices for a Kia Optima are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Opting for high physical damage deductibles can reduce prices by up to $370 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 in extra premium each year, depending on your age. Kia Optima insurance for high-risk drivers is expensive and can cost as much as 43% to 134% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Kia Optima insurance prices. A middle-age driver might find prices as low as $900 a year in states like New Hampshire, Ohio, and Utah, or at least $1,680 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out your exact price is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different.

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 Shop for More Affordable Kia Optima Insurance

Getting lower rates on car insurance consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a summary of the material that was raised in the charts and tables above.

• Policyholders who may need increased levels of liability coverage will pay around $570 every year to raise from a low limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, costing up to $410 a month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations pay on average $1,440 more every year to buy Kia Optima insurance
• Increasing physical damage deductibles could save as much as $350 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.