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 a year, collision costs $330, and liability is estimated at $520. A policy with just liability insurance costs approximately $576 a year, with coverage for high-risk drivers costing around $2,682. Teenage drivers pay the highest rates at $4,916 a year or more.

Average premium for full coverage: $1,244

Price estimates for individual coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Optima trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $742
• Choosing higher $1,000 deductibles can save about $1,120 annually
• The average price for the average middle-age driver using $500 deductibles is $1,244
• Using low $100 deductibles for comp and collision coverage increases the price to $1,482
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,682 or more
• The price to insure a 16-year-old driver can be $4,916 each year

View Chart as Image

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.

Using high physical damage deductibles can save as much as $370 annually, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect 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 extra each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 134% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Kia Optima insurance prices. A good driver about age 40 could pay as low as $900 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $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 get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, so the 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 the Cheapest Kia Optima Insurance

Getting lower rates on insurance for a Kia Optima takes being a good driver, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a recap of the information covered in the above illustrations.

• You may be able to save up to $140 per year simply by quoting early and online
• Drivers age 16 to 20 pay higher prices, costing up to $410 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $350 each year
• Drivers considered higher risk that have major violations or accidents pay on average $1,440 more every year than a safer driver
• Insureds who may need an increased level of liability coverage will pay an extra $570 every year to raise limits from a low limit to a 250/500 level

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.