Estimates, not quotes

Kia Optima Insurance Cost in Delaware

Insuring a Kia Optima in Delaware costs about $1,590 a year ($132/month) for full coverage by our estimate — +14% versus the same car nationally — the 10th most expensive of 51 states for this model.

Kia Optima (photo from Wikimedia Commons)
Photo: Throwawayacc222, CC0 1.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Kia Optima insurance in Delaware at a glance

Full coverage
$1,590
$1,305–$1,875
25/50/10 minimum
$795
$66/mo
Same car nationally
$1,390
full coverage
Avg. car in DE
$1,770
−10% for the Optima

The Kia Optima is 10% cheaper than the average vehicle to insure in Delaware. Delaware's own base rates are 14% higher than the national average, which carries through to every model.

Delaware factors that affect Optima premiums

  • Uninsured drivers: 17.6% of Delaware drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Optima.
  • Theft: 188 vehicle thefts per 100,000 residents (U.S. 197); the Optima is #6 on the national most-stolen list.
  • Weather: FEMA rates Delaware's expected annual losses as very low for hail, relatively low for tornado, relatively low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.27 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort), with required personal injury protection.

Car insurance rules and costs in Delaware →

Kia Optima insurance cost in Delaware cities

CityFull coverageMinimumvs. state
Wilmington$1,765$880+11%
Dover$1,625$810+2%
Newark$1,625$810+2%
Middletown$1,745$870+10%
Milford$1,620$805+2%
Smyrna$1,800$900+13%
Seaford$1,710$850+8%
Georgetown$1,710$855+8%

Kia Optima insurance in Delaware by driver

Estimated annual Kia Optima premium in Delaware
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,180 $3,165 $4,370 $364
Young adult (22) $1,270 $1,840 $2,545 $212
Adult in their 30s $795 $1,150 $1,590 $133
Adult in their 50s $730 $1,060 $1,465 $122
Senior (72) $890 $1,290 $1,780 $148
30s, one at-fault accident $1,150 $1,670 $2,305 $192
30s, DUI on record $1,470 $2,130 $2,940 $245

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $795 $66 $650–$935
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,150 $96 $945–$1,360
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,590 $132 $1,305–$1,875

Delaware minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Delaware

ModelFull coverage in DEvs. Optima
Tesla Model 3$1,830+15%
Ford Fusion$1,750+10%
Chrysler 200$1,750+10%
Toyota Camry$1,965+24%

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Kia Optima insurance cost in every state · All Kia models

Frequently asked questions

How much is Kia Optima insurance in Delaware?

About $1,590 a year ($132 a month) for full coverage and $795 for Delaware's minimum liability, for a driver in their 30s with a clean record. That is 14% more than the national estimate for the same car.

Is the Kia Optima cheaper to insure than the average car in Delaware?

The average vehicle in Delaware is about $1,770 a year for full coverage in our model, so the Kia Optima is 10% cheaper than average.

Where in Delaware is Kia Optima insurance cheapest?

Among the largest Delaware cities, Milford has the lowest estimate (about $1,620) and Smyrna the highest (about $1,800).

What insurance do I need for a Kia Optima in Delaware?

Delaware requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page