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 auto insurance rates for a Kia Optima are $1,244 annually for full coverage. Comprehensive costs on average $214 a year, collision insurance costs $330, and liability insurance is estimated at $520. A liability-only policy costs approximately $576 a year, and high-risk insurance costs around $2,682. Teens 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:

Includes $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why it is important to get quotes based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

The chart below shows average Kia Optima insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $742
• Choosing higher $1,000 deductibles can save around $1,120 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,244
• Selecting low $100 deductibles for comp and collision coverage will cost $1,482
• High-risk insureds with serious driving violations could pay upwards of $2,682
• Policy cost with full coverage for a teen driver may cost $4,916 each year

View Chart as Image

Car insurance rates for a Kia Optima also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $370 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Kia Optima insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,770 on average in Michigan, Louisiana, and New York.

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 Buy the Cheapest Kia Optima Insurance

Finding cheaper rates on Kia Optima insurance takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a recap of the data covered above.

• Drivers who require higher liability limits will pay approximately $570 each year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers can save as much as $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Teens are expensive to insure, costing up to $410 each month if comprehensive and collision insurance is included

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.