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 insurance rates for a Kia Optima are $1,244 a year for full coverage. Comprehensive insurance costs around $214 a year, collision insurance costs $330, and liability is estimated at $520. A policy with just liability insurance costs approximately $576 a year, and coverage for high-risk drivers costs $2,682 or more. Teens receive the highest rates at up to $4,916 a year.

Average premium for full coverage: $1,244

Rate estimates for individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all states and Optima trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

These examples show why it is important to get quotes for a specific zip code and risk profile, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $742
• Choosing higher $1,000 deductibles can save about $1,120 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,244
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $238 every year
• Unlucky drivers with serious driving violations could pay at least $2,682
• The cost for full coverage for a teen driver can be $4,916 each year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,770 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $370 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 134% more than the average policy. 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

Saving money on car insurance takes being a low-risk driver, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest time comparing rates every year by quoting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The items below are a brief recap of the coverage data covered in the charts and tables above.

• Drivers can save up to $140 per year just by quoting early and online
• Increasing deductibles can save around $350 each year
• Teen drivers are charged the highest rates, costing as high as $410 per month including comprehensive and collision insurance
• Higher risk drivers who tend to receive serious violations may be required to pay an average of $1,440 more every year to insure their Optima

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.