2013 Kia Optima Insurance Analysis

The 2013 Kia Optima is 1 of only 13 vehicles to earn a new special safety designation.

The 2013 Kia Optima not only looks good, but it is very safe.

The 2013 Kia Optima is an ideal car for those that are looking for a safe car for themselves and their family. It is also perfect for those that are looking for a vehicle that won’t cost them a lot to purchase or to insure.

Recalls for the 2013 Kia Optima

No recalls could be found for the vehicle at this time.

2013 Kia Optima Safety

The safety of the Kia Optima has come a long way in the last 10 years. From 2001 to 2006, the Kia Optima could barely manage to earn an average rating for safety with the Insurance Institute for Highway Safety (IIHS).

In 2011, all of that changed. With a redesign of the Kia Optima that year, it looks as if the company started to take the bad ratings that their car was receiving to heart, as from that year on the vehicle has consistently earned much better safety ratings. In fact, Kia has managed to make such a drastic improvement in the safety of the vehicle that the 2013 Kia Optima was awarded the title of “Top Safety Pick+” this year.

A “Top Safety Pick+” designation means that a vehicle passed all of its safety testing with a “good” rating. The “good” rating is the highest rating that the IIHS give to vehicles. The only category that a “Top Safety Pick+” can get a lower rating in is the Small Overlap Front Crash Test., and the rating can be no lower than “average”; which is just below a “good” rating.

Being a “Top Safety Pick +” means that the vehicle is the safest of the safe vehicles that earned the ratings of being a “Top Safety Pick” or received “good” ratings in some of their crash tests. This special designation was just started in 2013 and only 13 vehicles were good enough to earn this rating.

Insurance Thoughts for the 2013 Kia Optima

Owners of the 2013 Kia Optima are going to enjoy the insurance rates they will have, as long as they themselves have a good driving record.

The liability coverage on this family sedan, that is smaller than an SUV or truck, is going to be close to average if not below. The vehicle is not going to be able to cause the type of damage that larger vehicle will, so the insurance company would pay out less for property damage and medical bills than they would for a larger vehicle. The Kia Optima is also not associated with reckless drivers; which means that the accident statistics on the vehicle will be lower than they would be with sportier vehicles that are more likely to be driven by higher-risk drivers.

Comprehensive and collision coverage is also going to be average if not below. The Optima has been around long enough to have a fairly decent after-market parts supply for insurance companies to use to keep repair costs down. For total loss value, the price of the 2013 Optima ranges from $21,000 – $26,800 putting it on par with the other sedans in its class.

Medical payments and personal injury protection is where the biggest savings will be, thanks to the “Top Safety Pick+” rating from the IIHS. A rating like this means that the occupants in the 2013 Kia Optima are safer than in other vehicles and the insurance company is less likely to be paying out very much in medical bills for those in the vehicle.