Kia Optima Insurance

Insuring your Kia Optima

(And how to get the lowest premiums)

Kia Optima

While cost is an important factor when shopping for car insurance, you also need the right types and amounts of coverage for your Kia Optima. An independent insurance agent shops dozens of insurance companies on your behalf to get you the best value for your dollar. They also match you with an insurance company that can best meet your needs. 

Not sure where to find an independent insurance agent? 

TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Kia Optima. 

What Kind of Insurance Do You Need for Your Kia Optima?

Bodily injury liability

With bodily injury liability insurance, you'll be protected from the financial responsibility associated with causing physical harm to another person if you cause an accident. In most areas of the country, this type of liability coverage is required by law. 

Property damage liability

Property damage liability coverage provides coverage for damage you cause to someone else's vehicle or property. In many states, you'll have to purchase the minimum legally required amount of liability insurance. Your agent may recommend that you purchase more than the bare minimum. Damage that costs more than your insurance policy limits are your personal responsibility, so it's smart to buy more than the state's required amount. 

Medical payments/Personal injury protection

Your agent will help you understand your options depending on where you live regarding medical payments and personal injury protection insurance. Recuperating from a car accident can be financially stressful, and this type of insurance provides coverage for medical bills as a result of a car accident. 

Uninsured motorist coverage

If you are in an accident with a driver who doesn't have insurance or who doesn't have enough coverage with their policy, uninsured and underinsured motorist coverage can help you avoid paying for damages on your own. In many states, driving without auto insurance means you may pay a steep fine. Even so, drivers sharing the road with you may have inadequate coverage. 

Optional coverage:

Collision

If you have collision coverage, your insurance company covers damage to your Kia Optima if you are in an accident with another car or if you hit something. You'll pay the deductible, then insurance covers the repair bill up to your Optima's fair market value. 

Comprehensive

If your Optima sustains damage not covered by your collision policy, comprehensive coverage kicks in. You'll pay the deductible, and then your insurance company covers the bill for the damage up to your car's fair market value. 

Glass coverage

With a zero-deductible glass coverage add-on, you could be covered for glass breakage repair costs. Without this coverage, you'll have to pay to repair broken windows out of pocket. Some insurance policies may include glass coverage up to the deductible. However, in many cases, total repair costs fall under the $500 deductible limits. 

Gap insurance

If you purchased a brand-new Kia Optima and didn't get gap coverage at the dealership, it's not too late. Talk with your agent about whether this coverage could help protect you. Optima owners who owe more on their lease or loan than the value of the vehicle will have to pay off the balance on their own if an accident totals their car. 

What Affects the Cost of Insurance for Your Kia Optima?

Annual mileage: If you drive more than the national average of 10,000 to 15,000 miles per year, you'll see a slight increase in your auto insurance rates. 

Your driving record: Optima drivers with an at-fault accident and/or moving violations should also expect to pay higher than average car insurance rates. 

The value of your vehicle: High value vehicles, like luxury cars and SUVs, cost more to insure. The Kia Optima is a nicely equipped vehicle, but you won't pay a luxury premium for this vehicle. 

Average Kia Optima Insurance Costs

The average 40-year-old driver living in a rural area pays just $1,091 per year for full coverage insurance on their Kia Optima. Across the United States, 40-year-old Optima drivers pay an average of $1,454 per year for auto insurance with a $500 deductible. Lowering the deductible raises the premium by an average of $372 per year. High-risk drivers and teens pay even higher insurance rates. 

Of course, many factors contribute to insurance rates, so be sure to get your personalized quote from an independent agent as soon as possible. 

The Safety of Your Kia Optima

The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Kia Optima a five-star safety rating. The Insurance Institute for Highway Safety (IIHS) gave it a "good" rating.

Standard safety features included with every 2020 Kia Optima include:

  • Daytime running lights
  • Blind spot detection
  • Lane departure warning
  • Lane departure prevention

How Location Affects Your Kia Optima Insurance 

Because your location has such a dramatic effect on your car insurance rates, it's crucial to get a personalized quote from your agent. Here's how average full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary from one place to the next:

Rural AreasSmall CitiesLarge Cities
$1,091$1,527$1,963

Additional Factors that Affect Your Kia Optima Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Kia Optima

Average annual cost to insure a Kia Optima with full coverage: $1,454
Teens:$5,398
High-risk drivers:$3,122
High deductibles:$1,258
Low deductibles:$1,826
Top three most expensive states for Kia Optima insurance:
Florida, Michigan, New York$1,960
Top three most affordable states for Kia Optima insurance: 
New Hampshire, Ohio, Utah$1,050

Top Independent Insurance Carriers That Insure the Kia Optima

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers: 

  1. Auto-Owners Insurance
  2. Progressive
  3. Safeco
  4. Travelers

Get a Kia Optima Quote

An independent agent helps you get the best rates on Kia Optima insurance without compromising essential coverage. You can use the TrustedChoice.com find-an-agent tool to locate an independent agent in your area. Let TrustedChoice.com connect you to an agent that can shop multiple insurance companies so you can make an informed decision about your auto insurance. 

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TrustedChoice.com Article | Reviewed by Greg Safford

©2020, Consumer Agent Portal, LLC. All rights reserved.

IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver