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 $1,220 annually with full coverage. Comprehensive insurance costs approximately $206, collision insurance costs $310, and liability is $524. Liability-only insurance costs around $580 a year, and high-risk driver insurance costs $2,632 or more. Teenage drivers pay the most at up to $4,846 a year.

Average premium for full coverage: $1,220

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all Optima models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

These rate differences demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using average rates.

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

More Rate Information

The chart below details average Kia Optima insurance rates for additional coverage and risk scenarios.

• The best discount rate is $731
• Raising to $1,000 deductibles will save $116 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,220
• Using pricier low deductibles costs an additional $226 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,632
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $4,846

View Chart as Image

Insurance prices for a Kia Optima also have a wide range based on the model of your Optima, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,100 additional annually, depending on your age. Kia Optima insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $350 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $471 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Kia Optima insurance prices. A middle-age driver might find prices as low as $880 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,650 on average in New York, Michigan, and Florida.

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 Cheaper Kia Optima Insurance

Finding better rates on car insurance consists of having a decent driving record, having good credit, being claim-free, and consideration of higher deductibles. Make time to compare rates at least once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a condensed summary of the primary concepts that were touched on in this article.

• You may be able to save around $140 per year just by quoting online well ahead of the renewal date
• Higher risk drivers with multiple at-fault accidents may pay on average $1,410 more per year than a driver with a clean driving record
• Increasing policy deductibles could save up to $350 each year
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $404 per month if they have full coverage

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.