Who Has the Cheapest Car Insurance Quotes for a Kia Optima in Chandler?

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.

Kia Optima Insurance Rates in Chandler, AZ
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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Cheapest Arizona auto insurance companies
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

Auto insurance for an Optima in Chandler, AZInsurance 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.

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.

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