Kia Optima insurance image courtesy of QuoteInspector.com
Buying affordable auto insurance for a Kia Optima depends on a lot of rating criteria such as how long your commute is, the performance level of your vehicle, and any past driving violations you may have had. Ohio drivers will pay on average $659 per year to insure their Optima, but that price is calculated using a 40-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
There's a high likelihood you are not 40 years old and maybe not even male, maybe you are married instead of single, or maybe you have a speeding ticket that needs to be factored in. This illustrates why the best way to find cheap auto insurance rates for your Kia is to compare as many rates as you can.
The trim level of your Optima tends to have a direct effect on the coverage cost, so the price you will pay to insure a Optima LX model will be $66 less than the insurance cost for the more costly Optima SX model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Information does not factor in specific Columbus garaging location which can modify coverage rates substantially.
Establishing which company quotes the best car insurance rates for a Kia Optima will involve a bit more work in order to find the best price. Every insurance company uses a slightly different approach for establishing rates, so we will examine the car insurance companies with the most affordable rates in Ohio.
It's important that you understand Ohio car insurance rates are impacted by many things that can increase the cost of your policy. Improving your credit rating, becoming a homeowner, or getting a reckless driving citation can trigger changes in premium resulting in some rates now being cheaper than competitors.
Find the Best Cheap Insurance for Your Optima
Utica National quotes some of the best car insurance rates in Columbus at around $628 annually. Frankenmuth, Erie, Allied, and Travelers are also some of the more affordable Columbus, OH auto insurance companies.
As depicted above, if you are a customer of Allied and switched to Frankenmuth, you might realize an annual premium reduction of approximately $17. Insureds with Travelers might save as much as $46 a year, and USAA policyholders might lower prices by $61 a year.
Be aware that those estimates are averaged for all drivers and vehicles in Ohio and do not factor in an exact location for a Kia Optima. So the insurer that can offer you the best price may not even be in the top 33 companies in the list above. That points out the importance of why you need to get rate quotes using your own specific driver and vehicle information.
Driving violations and accidents
The easiest way to score the most affordable car insurance premiums for an Optima is to pay attention while driving and not get tickets or have accidents. The chart below demonstrates how citations and at-fault fender-benders can raise annual premium costs for different age groups. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
In the example above, the average cost of an auto insurance policy in Ohio per year with no accidents and a clean driving record is $1,373. Get written up for one speeding ticket and the average cost rises to $1,596, an increase of $223 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for a Kia Optima jumps again to an average of $2,233. That's an increase of $860, or $72 per month, just for not driving carefully!
Discounts on Columbus car insurance
Insurance companies that offer coverage for a Kia Optima may also give you rate discounts that can lower rates by 35% or more if you meet certain criteria. A few of the larger companies and their possible discounts are included below.
- GEICO has savings for anti-theft, military active duty, five-year accident-free, multi-policy, federal employee, and membership and employees.
- Travelers offers discounts including multi-car, good student, student away at school, save driver, driver training, multi-policy, and continuous insurance.
- Farm Bureau discounts include 55 and retired, safe driver, renewal discount, multi-vehicle, driver training, and good student.
- Liberty Mutual may have discounts that include teen driver discount, multi-policy, new graduate, multi-car, and safety features.
- American Family includes discounts for accident-free, Steer into Savings, multi-vehicle, early bird, bundled insurance, good student, and mySafetyValet.
- Progressive offers premium reductions for online quote discount, multi-vehicle, good student, online signing, continuous coverage, multi-policy, and homeowner.
The chart below shows the comparison of annual premium costs with and without discounts being applied to the rates. The rate quotes are based on a male driver, no claims or driving citations, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, defensive driving course, vehicle safety, accident-free, marriage, and claim-free discounts applied. When discounts are applied, theaverage amount saved on car insurance for a Kia Optima is 28% or $492.
Ideas for finding budget-friendly insurance for a Kia Optima
Lowering your rates is not difficult, and here are many money-saving suggestions that can help drivers get cheaper auto insurance.
- Do not waste money insuring older vehicles for full coverage
- Raise comprehensive and collision coverage deductibles
- Be a cautious driver
- Avoid preventable accidents
- Safe vehicles cost less to insure
- Higher credit scores can equal lower rates
- Ensure you have the best deal by shopping around regularly
That last tip is especially valuable, as was discussed in the prior article. Coverage rates change a lot, so drivers shouldn't hesitate to buy a different policy if a better deal can be had. We understand brand loyalty, but we do not recommend it if that stubbornness costs you lots of money. If you have a few minutes, shop around and find cheaper car insurance for a Kia Optima in Columbus.
If you would rather get some guidance when comparing insurance rates for an Optima, the agents below are willing to provide answers to your questions and help you determine which coverages are best. To find a Columbus insurance agent in your neighborhood, click the link after the list.
Russell A Popp - State Farm Insurance Agent
2844 Johnstown Rd - Columbus, OH 43219 - (614) 471-5557
Debbie Montgomery - State Farm Insurance Agent
1880 Schrock Rd - Columbus, OH 43229 - (614) 890-2886
Larry Noll - State Farm Insurance Agent
2648 Billingsley Rd - Columbus, OH 43235 - (614) 889-1156
Franchise Insurance Agency, Inc.
4930 Reed Rd Suite 100 - Columbus, OH 43220 - (614) 451-2232
Gardiner Allen DeRoberts Insurance LLC
777 Goodale Blvd - Columbus, OH 43212 - (614) 221-1500