Finding the cheapest coverage for a Kia Optima in California can be pretty simple, but it is dependent upon a large number of factors such as whether you are single or married, your credit status, and whether or not you are a good driver. Drivers in California pay around $1,087 per year to insure their Optima, but that price is an estimation based upon a 40-year-old married male driver with full physical damage coverage and $500 deductibles.
If we were betting, you may not be 40 years old (or even male), single instead of married, and you might want liability-only or different deductibles. Auto insurance requires individual risk assessment, so the way we recommend to find the most affordable coverage for your Kia is to do the rate comparisons yourself.
The trim level of your vehicle tends to impact the insurance rate, so the price you will pay to insure a Optima LX model will be $110 less than the insurance cost for the more costly Optima SX version, as shown in the prices below.
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in vehicle garaging location which can modify price quotes considerably.
Comparing quotes for low-priced insurance is tough enough, and finding out which company has the cheapest car insurance rates for a Kia Optima may require even more perseverance. Each insurer has their own guidelines for filing rates in each state, so let’s begin by examining the car insurance companies with the overall cheapest rates in Fresno.
It’s a good idea to know that Fresno, CA car insurance rates are determined by lots of factors that will increase or decrease your annual premium. This price variability is why it is critical to spend some time comparing rates to get cheap car insurance quotes for a Kia Optima. Car insurance prices are influenced by many risk factors and can increase or decrease at any time, so the best company three years ago may now not even be in the top five.
Find the Best Cheap Insurance for Your Optima
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USAA normally has some of the best car insurance rates in Fresno at around $1,155 each year. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the cheaper Fresno, CA car insurance companies.
As the rates illustrate above, if you are a customer of CSAA and switched to USAA, you may realize annual savings of in the vicinity of $67. California drivers with Nationwide might save as much as $95 a year, and 21st Century customers might lower prices by up to $211 a year.
If you want to see how much you could save, click here to begin a quote or quote rates from the companies below.
These premium estimates are averaged across all ages of drivers and types of vehicles and do not factor in an exact zip code location for a Kia Optima. So the auto insurance company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That helps illustrate why you need to get rate quotes from many companies using your own individual information.
Drive responsibly or pay higher rates
The ideal way to earn low car insurance rates in Fresno for an Optima is to be a cautious driver and avoid accidents and traffic violations. The chart below demonstrates how citations and accident claims can impact insurance premiums for each different age group. The price estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of auto insurance per year with no violations or accidents is $2,348. Get one speeding ticket and the average cost jumps to $2,653, an increase of $306 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Kia Optima jumps again to an average of $5,572. That’s an increase of $3,224, or $269 per month, just for not driving safely!
Get discount Fresno car insurance
Auto insurance companies that offer cheap quotes for a Kia Optima may also offer price discounts that could lower prices by 25% or more if you are eligible. A few of the larger companies and a summarized list of policyholder discounts are included below.
- Farm Bureau offers discounts for 55 and retired, renewal discount, multi-vehicle, youthful driver, driver training, and multi-policy.
- State Farm may include discounts for Steer Clear safe driver discount, good driver, multiple autos, defensive driving training, student away at school, safe vehicle, and multiple policy.
- Progressive may have discounts that include multi-vehicle, online signing, good student, online quote discount, and multi-policy.
- Allstate offers premium reductions for EZ pay plan discount, FullPay discount, teenSMART discount, passive restraint, and auto/life discount.
- Nationwide may offer discounts for multi-policy, anti-theft, defensive driving, Farm Bureau membership, family plan, good student, and business or organization.
- MetLife offers discounts including good driver, claim-free, defensive driver, multi-policy, good student, and accident-free.
The information below illustrates the difference between auto insurance rates with and without discounts. The data assumes a female driver, no violations or claims, California state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with marriage, vehicle safety, accident-free, multiple vehicle, passive restraint, and safe-driver discounts applied. When taking advantage of discounts, the average amount saved on car insurance for a Kia Optima is 28% or $830.
Difference between full coverage and liability only rates
Saving money on car insurance should be important to most drivers, and one of the easiest ways to find cheaper insurance for a Kia Optima is to buy liability only. The example below shows the difference between insurance prices when comparing full coverage to liability only. The costs are based on no claims or driving citations, $500 deductibles, marital status is single, and no additional discounts are factored in.
If we average the cost for all age groups, physical damage coverage on your policy costs $2,618 per year more than insuring for liability only. That brings up the question if you should buy full coverage at all. There isn’t a steadfast formula for eliminating physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
There are a few situations where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.
If you like to get some guidance when comparing insurance rates for a Kia Optima, the agencies below can answer your questions and help you decide which coverages you need. To find a Fresno insurance agency close to you, click the button after the list or click here to compare prices now.
- Central Auto Insurance
3668 W Shaw Ave – Fresno, CA 93711 – (559) 275-9911
- Steve Bezzerides – State Farm Insurance Agent
4270 N Blackstone Ave #201 – Fresno, CA 93726 – (559) 222-5278
- Dick Wallace – State Farm Insurance Agent
4344 E Ashlan Ave – Fresno, CA 93726 – (559) 222-6501
- Steph Flores Peters – State Farm Insurance Agent
371 E Bullard Ave #104 – Fresno, CA 93710 – (559) 274-0600
- Allstate Insurance: Patricia Pearson
5755 E Kings Canyon Rd Ste 106 – Fresno, CA 93727 – (559) 255-1861