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 $1,220 a year for full coverage insurance. Comprehensive costs on average $206 a year, collision insurance costs $310, and liability insurance is estimated at $524. Liability-only coverage costs approximately $580 a year, and high-risk coverage costs around $2,632. 16-year-old drivers cost the most to insure at up to $4,846 a year.

Average premium for full coverage: $1,220

Policy rates by type of insurance:

Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Optima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how location helps determine car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location and risk profile, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $731
• Choosing higher $1,000 deductibles can save around $1,104 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,220
• Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,446
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,632
• Policy cost for full coverage for a teen driver may cost $4,846 each year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

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 $800 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,650 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $350 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,400 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 128% more than the average rate. 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 Right Kia Optima Insurance

Finding cheaper rates on Kia Optima insurance takes being a safe and courteous driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a quick rundown of the ideas that were covered in the charts and tables above.

• Teenage drivers pay higher rates, possibly costing $404 each month including comprehensive and collision insurance
• High-risk drivers with reckless driving or DUI convictions pay an average of $1,410 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save around $350 each year
• It is possible to save as much as $140 per year just by quoting early and online

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.