2015 Kia Optima Car Insurance Calculator

Explore and understand how the choices you make affect the cost of insurance for a 2015 Kia Optima. Update factors like vehicle usage, gender of the driver, and marital status to learn how rates change. See instantly if rates go up or down and learn why.

The average estimated car insurance premium for a 2015 Kia Optima is $1,806 per year, or about $151 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,806

Cost Per Month

$151

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Kia Optima Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2015 Kia Optima.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,806
Average Rate
Your Rate
$1,806

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2015 Kia Optima trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2015 Kia Optima is $1,806.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2015 Kia Optima vs. the Midsize Car Segment

The table below compares insurance rates for the 2015 Kia Optima against all other models in the midsize car segment. The Kia Optima is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Kia Optima, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Kia Optima.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2015 Kia Optima Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Buick Verano$1,294-$512
2Subaru Legacy$1,416-$390
3Buick Regal$1,458-$348
4Toyota Camry$1,508-$298
5Honda Accord$1,540-$266
6Nissan Altima$1,560-$246
7Chevrolet Malibu$1,574-$232
2015 Midsize Car Average$1,585-$221
8Hyundai Sonata$1,604-$202
9Buick LaCrosse$1,614-$192
10Ford Fusion$1,624-$182
11Mazda 6$1,660-$146
12Volkswagen Passat$1,690-$116
13Kia Optima$1,806--
14Chrysler 200$1,848$42

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2015 Optima Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 Kia Optima.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2015 Kia Optima Insurance Rates by Trim Level
2015 Kia Optima Trim Level Annual Premium Cost Per Month
LX Sedan$1,644$137
EX Sedan$1,734$145
SX Sedan$1,734$145
SX Sedan Turbo$1,778$148
Hybrid Sedan$1,862$155
SXL Sedan Turbo$1,912$159
Hybrid EX Sedan$1,982$165

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2015 Kia Optima for different driver ages.

2015 Kia Optima Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,705$559
17$6,410$534
18$5,578$465
19$5,138$428
20$3,894$325
21$3,708$309
22$3,295$275
23$2,759$230
24$2,583$215
25$2,092$174
30$1,912$159
35$1,862$155
40$1,806$151
45$1,704$142
50$1,620$135
55$1,512$126
60$1,514$126
65$1,614$135
70$1,778$148
75$2,134$178
80$2,642$220

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Kia Optima trim levels.