Finding affordable insurance for a Kia Optima is pretty easy for most people, but it hinges on many factors such as whether you use your Optima for business use, your profession, and if you have tickets or violations. Drivers pay around $760 annually to insure their Optima, but that is an estimation using a 50-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
But there is a good chance that you are not 50 and maybe not even a male, maybe you are single instead of married, or maybe you want more liability coverage than is required by law in Texas. Having just a slight change in rating criteria or coverage limits can make a big difference in the policy rate.
Everone’s needs are different, and this illustrates why the best way to find the cheapest rates for your Kia is to compare as many rates as possible.
The trim level of your Optima has an effect on the coverage cost, so the price you pay to insure a Optima LX trim level will be $64 cheaper than the cost to insure the higher-priced Optima SX trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $142 | $266 | $414 | $24 | $124 | $970 | $81 |
| Optima EX | $160 | $312 | $414 | $24 | $124 | $1,034 | $86 |
| Optima SX | $160 | $312 | $414 | $24 | $124 | $1,034 | $86 |
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price information does not factor in specific garaging location which can increase or decrease coverage prices greatly.
Selecting the top auto insurance company can be rather challenging considering how many choices you have in Texas. The company ratings in the next section may help you decide which car insurance companies to look at comparing rate quotes with.
The rankings below include major nationwide insurance companies, so companies that may only write in Texas are not taken into consideration for these rankings. To compare prices and find the cheapest rates for a Kia Optima, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
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Data Source: Insure.com Best Car Insurance Companies
Impact of careless driving on Plano auto insurance rates
In a perfect world, the ideal way to maintain affordable auto insurance premiums for an Optima is to be a cautious driver and avoid at-fault accidents and violations. The illustration below shows how speeding tickets and at-fault claims can affect insurance costs for different age groups. The prices are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of car insurance in Texas per year with no accidents and a clean driving record is $2,718. Receive two speeding tickets and the average cost swells to $3,605, an increase of $887 each year. Now throw in one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Kia Optima goes up to an average of $4,498. That’s an increase of $1,780, or $148 per month, just for being a less-than-perfect driver!
Don’t make the mistake of not shopping around
Texas auto insurance rates are impacted by many things that control the cost of having a policy. Simply turning a year older, getting married, or getting into an accident may prompt premium changes resulting in some companies being more affordable than before. Not only may your risk profile change, but auto insurance companies modify pricing multiple times each year in order to be able to pay unexpected claims. A period of increased losses can result in additional price hikes, while a profitable period can result in cheaper Optima insurance rates.
To illustrate this point, the bar chart below compares the cheapest car insurance in Plano, TX for a 30-year-old male driver with no prior claims, no tickets, and great credit. If we compare prices based on his personal profile, Travelers may have the best car insurance rates in Plano at $1,039 per year. This is $865 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the top five cheapest Plano, TX auto insurance companies.
The chart below compares rates after we give the driver in the first chart an at-fault accident, a little lower credit rating, and a stop sign violation. Since each company uses a different method for determining prices, analyzing rates may result in a significantly different list of companies as shown below.
State Farm now has the cheapest auto insurance in Plano, TX with USAA, Mercury, Nationwide, and Safe Auto also having competitive pricing. This shows why it is so important to compare rates to get the most affordable car insurance quotes for a Kia Optima.
Car insurance prices are impacted by many things and can decrease or increase without notice, so the cheapest company the last time you checked may now be quite expensive.
How to find the cheapest car insurance for a Kia Optima
It is possible to find better rates, and here are some thrifty solutions that can help you get cheaper coverage.
- Improve your credit score
- Save money by only buying liability coverage for older vehicles
- Buy vehicles with five-star safety ratings
- Multi-policy discounts save money
- Maintain a safe distance and avoid accidents
- Compare rates often to find the best deal
The last idea is certainly vital, as was discussed in the prior information. Rates can be modified anytime, so don’t be afraid to buy a policy from a new company if a better rate can be found.
Many drivers have brand loyalty and that’s fine, but we do not recommend it if it’s costing you a lot of money. Spend a few minutes and compare rates to find cheaper insurance for a Kia Optima in Plano.