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 auto insurance rates for a Kia Optima are $1,220 annually for full coverage insurance. Comprehensive insurance costs an estimated $206 a year, collision insurance costs $310, and liability costs $524. Liability-only coverage costs as little as $580 a year, and high-risk coverage costs $2,632 or more. 16-year-old drivers pay the highest rates at up to $4,846 a year.

Average premium for full coverage: $1,220

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Optima trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. More rural locations have fewer physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below illustrates average Kia Optima insurance rates for other coverage scenarios.

• The best full coverage rate is $731
• Drivers who choose higher $1,000 deductibles will pay approximately $1,104 each year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,220
• Buying low $100 deductibles for comprehensive and collision insurance costs an additional $226 annually
• Drivers with multiple tickets or accidents could pay up to $2,632
• The price with full coverage for a 16-year-old driver can cost as much as $4,846 a year

View Chart as Image

Auto insurance prices for a Kia Optima are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,400 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost from 43% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $350 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $471 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Kia Optima insurance prices. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,650 on average in Florida, New York, and Michigan.

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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

Getting lower rates on insurance for a Kia Optima not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a recap of the material that was covered above.

• Insureds who want higher liability limits will pay around $580 annually to go from a low limit to higher 250/500 limits
• Teenagers are the costliest to insure, as much as $404 a month if full coverage is included
• Drivers considered higher risk that have major violations or accidents may pay on average $1,410 more annually for car insurance
• Increasing physical damage 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.