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 with full coverage. Comprehensive costs approximately $214 a year, collision insurance costs $330, and liability insurance is $520. Buying just liability costs around $576 a year, and insurance for high-risk drivers costs around $2,682. Teenage drivers cost the most to insure at up to $4,916 a year.

Average premium for full coverage: $1,244

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $742
• Raising to $1,000 deductibles will save $1,120 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,244
• Using low $100 deductibles will increase the cost to $1,482
• Higher-risk drivers who are prone to accidents and violations could pay around $2,682
• Policy cost for full coverage for a teen driver can cost $4,916

View Chart as Image

Insurance rates for a Kia Optima also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state also has a big influence on Kia Optima insurance rates. A middle-age driver might find rates as low as $900 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,680 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $370 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than a normal 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 Cheap Kia Optima Insurance

Finding cheaper rates on Kia Optima insurance consists of being a good driver, maintaining good credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every time your policy renews by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick review of the information raised in the charts and tables above.

• You may be able to save around $140 per year just by quoting early and online
• Drivers age 16 to 20 are expensive to insure, as much as $410 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $350 each year
• High-risk drivers with a DUI or reckless driving violation pay on average $1,440 more per year than a safer driver
• Drivers who purchase an increased level of liability coverage will pay an extra $570 every year to raise from a 30/60 limit to 250/500 limits

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.