Buying the best cheap car insurance for a Kia Optima relies on a lot of rating factors such as whether you use your Optima for business use, your credit history, and driving citations. Drivers pay approximately $862 annually for Optima insurance, but that cost is an estimate based on a 30-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.
When projecting a rate like this, the problem is that you are not 30 and maybe not even a male, single instead of married, or maybe you prefer to not insure for full coverage. Car insurance coverage is unique to each driver, so this is why the way we recommend to find the cheapest rates for your Kia is to compare as many rates as you can. Price quotes are quick and you will be able to compare rates from top-rated car insurance companies that offer coverage in Arizona.
Cheapest Kia Optima Insurance Rates
The trim level of your Kia has an effect on the annual cost of coverage, so the price you will pay to insure a Optima LX will cost $100 less than the price to insure the more well-appointed Optima SX trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $232 | $390 | $338 | $20 | $102 | $1,082 | $90 |
| Optima EX | $262 | $460 | $338 | $20 | $102 | $1,182 | $99 |
| Optima SX | $262 | $460 | $338 | $20 | $102 | $1,182 | $99 |
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Estimates do not factor in zip code location which can increase or decrease premiums noticeably.
Figuring out which company quotes the lowest-priced auto insurance rates for a Kia Optima requires a bit more effort in order to find a policy that fits your budget.
Every insurance provider has a unique approach for establishing rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Chandler, AZ. It’s a good idea to know that Arizona auto insurance rates are calculated based on many things which can substantially change the price you have to pay. Improving your credit rating, moving across town, or getting a speeding ticket can trigger rate changes that can now make some companies cheaper than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $924 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,091 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,152 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,323 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,377 |
| 16 | Titan | $1,476 |
| 17 | American Family | $1,478 |
| 18 | Amica | $1,487 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,567 |
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The Hartford has some of the most affordable car insurance rates in Chandler at around $811 per year. This is $617 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the best Chandler, AZ auto insurance companies.
As shown in the rates above, if you buy coverage from Travelers and switched to Safeco, you could see an annual savings of in the vicinity of $179. Insureds with USAA might save as much as $195 a year, and GEICO policyholders might lower prices by $235 a year.
Understand that those policy prices are averaged for all drivers and vehicles and are not factoring in a vehicle location for a Kia Optima. So the auto insurance company that can offer you the lowest price may not even be in the top 28 companies shown above. That is why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
Types of discounts on Chandler auto insurance rates
Insurance providers that offer quotes for a Kia Optima may also offer rate discounts that may potentially lower prices by as much as 40% or more if you qualify. A few popular companies and the discounts they provide can be read below.
- GEICO has savings for anti-theft, multi-vehicle, federal employee, multi-policy, and good student.
- SAFECO offers premium reductions for anti-theft, teen safe driver, anti-lock brakes, drive less, teen safety rewards, homeowner, and safe driver.
- State Farm may have discounts that include multiple policy, good driver, Drive Safe & Save, good student, Steer Clear safe driver discount, safe vehicle, and passive restraint.
- MetLife has discounts for defensive driver, accident-free, claim-free, multi-policy, good driver, good student
- 21st Century offers discounts including defensive driver, teen driver, homeowners, theft prevention, and driver training.
- Progressive discounts include continuous coverage, good student, multi-vehicle, homeowner, multi-policy, and online quote discount.
The information below illustrates the comparison of auto insurance costs with and without discounts applied to the policy rates. The premiums assume a male driver, no claims or violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, defensive driving course, anti-theft, vehicle safety, claim-free, and multiple vehicle discounts applied. When discounts are applied, theaverage amount saved on auto insurance for a Kia Optima is 28% or $477.
The benefits of price comparisons
Arizona auto insurance rates are calculated based on many things that control the price of your policy. Simply turning a year older, adding a teenager to your policy, or getting caught speeding can trigger price changes resulting in some rates now being cheaper than others. And not only may your rating factors change, but insurance companies amend pricing without warning to ensure their profitability. Higher than usual claims may cause additional price hikes, while a profitable period can result in more affordable Optima insurance rates.
As an example, the graph below shows the cheapest car insurance in Chandler, AZ for a 40-year-old female driver with a good driving record, no prior claims, and good financial standing. When comparing rates based on her current rating profile, The Hartford might quote the lowest car insurance rates in Chandler at $1,051 a year. This is $377 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA round out the rest of the best Chandler, AZ auto insurance companies.
Now let’s give the driver from the first example an accident surcharge, less-than-perfect credit, and a few blemishes on her driving record. Since every insurance provider has their own process to set policy rates, analyzing rate quotes could result in a different list of the cheapest companies as shown below.
GEICO now has the lowest car insurance rate in Chandler, AZ with Ameriprise Group, CSAA, Allied, and Auto-Owners also having competitive pricing. This illustrates why consumers need to perform a complete rate comparison to find the most budget-friendly insurance rates for a Kia Optima. Car insurance prices are influenced by many risk factors and change substantially, so the most economical company three years ago may now be quite expensive.
The insurance agents in Chandler listed below are a good start to help you decide which insurance coverage will be best for you, since some drivers wish to have a consultation when buying car insurance for an Optima. It can be hard to find coverage yourself, so getting advice from a licensed agent can provide you peace of mind knowing you have enough protection. To find an agent by location nearest to you, click the button at the bottom of the list or click here to compare rates now.
- Sean Paul Insurance Agency
333 N Dobson Rd #160 – Chandler, AZ 85224 – (480) 525-8846 - Farmers Insurance – Michael Van Oostendorp
4025 W Chandler Blvd #4 – Chandler, AZ 85226 – (480) 899-0898 - Allstate Insurance: Kevin Lum
5055 W Ray Rd Ste 22 – Chandler, AZ 85226 – (480) 883-8798 - Farmers Insurance – Rick Downing
930 East Riggs Road Ste B7 – Chandler, AZ 85249 – (480) 961-3951