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 prices for a Kia Optima are $1,244 every 12 months for full coverage. Comprehensive insurance costs approximately $214, collision insurance costs $330, and liability coverage costs around $520. A liability-only policy costs as low as $576 a year, and high-risk insurance costs $2,682 or more. Teen drivers receive the highest rates at up to $4,916 a year.

Average premium for full coverage: $1,244

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Optima models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance prices.

These examples show why everyone should compare prices using their specific location and their own driving history, rather than using price averages.

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

More Rate Information

The chart below shows average Kia Optima insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $742
• Using higher $1,000 deductibles will save $124 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,244
• Choosing pricier low deductibles for physical damage coverage costs an extra $238 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,682
• The cost to insure a teenage driver for full coverage can cost $4,916 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $370 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 extra per year, depending on your age. Kia Optima insurance for high-risk drivers can be around 43% to 134% more than average. View High Risk Driver Rates

Where you live has a huge impact on Kia Optima insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Iowa, Maine, and Idaho, or as much as $1,770 on average in New York, Louisiana, and Michigan.

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 Shop for the Right Kia Optima Insurance

Saving money on auto insurance requires having a decent driving record, having good credit, eliminating unneeded coverage, and possibly raising deductibles. Take the time to compare rates every other policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick rundown of the ideas that were covered in the above illustrations.

• 16 to 18-year-old drivers are expensive to insure, costing as high as $410 per month if they have full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,440 more per year than a driver with a clean driving record
• Increasing deductibles could save as much as $350 each year
• Drivers can save around $140 per year just by quoting online well ahead of the renewal date

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.