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.

Estimated auto insurance rates for a Kia Optima are $1,244 annually for full coverage insurance. Comprehensive insurance costs on average $214 each year, collision costs $330, and liability costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing $2,682 or more. Teen drivers pay the most at $4,916 a year or more.

Average premium for full coverage: $1,244

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Optima models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas.

The graphic below illustrates how your location can change car insurance rates.

These rate differences illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $742
• Drivers who choose higher $1,000 deductibles will pay around $124 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,244
• Choosing low deductibles for comprehensive and collision insurance costs an additional $238 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,682 or more
• An auto insurance policy with full coverage for a teen driver may cost $4,916 a year

View Chart as Image

Auto insurance prices for a Kia Optima also have a wide range based on the model of your Optima, your risk profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $370 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,680 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Every company uses a different rate calculation, and quoted prices will be substantially different between companies.

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 Buy the Best Cheap Kia Optima Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around every couple of years by requesting rates from direct insurance companies, and also from local exclusive and independent agents.

The following items are a quick review of the material that was illustrated above.

• Policyholders who require additional liability coverage will pay about $570 annually to go from 30/60 bodily injury limits to higher 250/500 limits
• 16 to 18-year-old drivers are charged the highest prices, with premiums being up to $410 per month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,440 more each year than a driver with a clean driving record
• Increasing policy deductibles could save up to $350 each year

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.