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 $1,288 a year for full coverage insurance. Comprehensive costs on average $230 a year, collision costs $358, and liability insurance costs around $520. Buying just liability costs as low as $576 a year, with insurance for high-risk drivers costing around $2,778. Teen drivers cost the most to insure at $5,050 a year or more.

Average premium for full coverage: $1,288

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why it is important to compare prices based on a specific location, rather than relying on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $766
• Using higher $1,000 deductibles will save around $1,154 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,288
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,544
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,778 or more
• Policy cost that insures a teen driver may cost $5,050 or more

View Chart as Image

Insurance rates for a Kia Optima also range considerably based on the trim level of your Optima, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,000 a year. View Rates by Age

Your home state has a huge impact on Kia Optima insurance rates. A driver around age 40 might see rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,740 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $390 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied.

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 Cheaper Kia Optima Insurance

Finding cheaper rates on Kia Optima insurance requires avoiding accidents and violations, having above-average credit, being claim-free, and bundling your home and auto policies. Shop around every year by getting price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a condensed summary of the coverage data raised in the charts and tables above.

• It is possible to save as much as $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Teenagers pay the highest rates, possibly costing $421 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,490 more each year for car insurance

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.