Finding the best cheap auto insurance for a Kia Optima in Florida is pretty simple for most people to do, but it hinges on many factors such as whether you are married, whether or not you have prior claims, and driving citations. Drivers will pay on average $1,048 per year to insure their Optima, but that figure is a valuation based on a 40-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.
It’s highly likely you aren’t exactly 40 years old or even a female, possibly single instead of married, or maybe you want more liability coverage than is required by law in Florida. Having the smallest difference in rating variables may result in significant differences in how much insurance for a Kia Optima costs.
Each driver’s needs are different, and that demonstrates why the best way to find cheap auto insurance rates for your Kia is to compare rates from as many companies as possible.
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The trim level of your Optima impacts the cost of insurance, so the rate you pay to insure a Optima LX trim level will be $104 less than the cost to insure the more costly Optima SX trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $226 | $430 | $494 | $30 | $148 | $1,328 | $111 |
| Optima EX | $254 | $506 | $494 | $30 | $148 | $1,432 | $119 |
| Optima SX | $254 | $506 | $494 | $30 | $148 | $1,432 | $119 |
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in your specific Jacksonville location which can increase or decrease premium rates noticeably.
Finding out which companies quote the cheapest insurance rates for a Kia Optima calls for a little more sweat than just getting one or two price quotes.
Each auto insurer uses their own calculation for determining prices, so let’s rank the most competitive insurance companies in Florida. Keep in mind that Jacksonville insurance rates are determined by lots of factors that will increase or decrease your annual premium. Simply turning a year older, getting divorced, or getting a couple of tickets may prompt premium changes that can make some companies cheaper than competitors.
Best Auto Insurance Prices for Your Optima
USAA generally has some of the lowest car insurance rates in Jacksonville at around $948 each year. Amica, Electric, Progressive, and Travelers would also make the list of some of the best Jacksonville, FL insurance companies.
In the above rates, if you currently buy coverage from Amica and switched to USAA, you could realize annual savings of in the vicinity of $746. Policyholders with Electric could save as much as $798 a year, and Progressive customers might lower prices by $827 a year.
Understand that those premiums are averaged for all insureds and vehicles and and are not figured with an exact vehicle garaging location for a Kia Optima. So the insurer that is most affordable for your situation may not even be in the top 21 companies in the list above. That is why you need to get auto insurance quotes using your own specific driver and vehicle information.
Irresponsible driving raises your rates
The easiest method to obtain the cheapest insurance rates in Florida for an Optima is to drive attentively and not have accidents or get tickets. The chart below illustrates how violations and at-fault fender-benders can drive up insurance rates for different age groups. The data assumes a single male driver, full coverage, $500 deductibles, and no discounts are applied.
The data in the chart shows the average cost of an auto insurance policy per year with no accidents or violations is $2,473. Add in one speeding ticket and the average cost rises to $2,792, an increase of $319 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of insurance for a Kia Optima goes up to an average of $5,710. That’s an increase of $3,236, or $270 per month, just for not keeping your driving record clean!
You are probably paying too much for Optima insurance
Jacksonville, FL insurance rates are calculated based on many things that can increase the price you pay for coverage. Improving your credit rating, marrying your spouse, or having an at-fault accident can trigger changes in premium resulting in some rates now being more affordable than others. Not only may your situation change, but insurance companies change the rates they charge in Florida at least once a year to adjust for unexpected claims or profits. Heavy losses can result in high rates, while profitable underwriting may cause lower-priced Optima insurance rates.
To illustrate this point, the bar chart below analyzes the cheapest car insurance in Jacksonville, FL for a 45-year-old female driver with no violations or accidents, and a decent credit rating. If we compare prices based on her personal risk profile, USAA has the lowest car insurance rates in Jacksonville at $1,175 annually. This is $1,273 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also on the list of the best Jacksonville, FL auto insurance companies.
In the next rate comparison, we’ll give the driver from the above example a couple of claims, a little lower credit rating, and a couple of points charged on her driving record. Since each auto insurer uses their own calculation to determine rates, getting updated rate quotes may result in a new list of companies as shown below.
USAA now has the best auto insurance rate in Jacksonville with Mercury, Esurance, Auto-Owners, and GEICO also being competitive. This demonstrates why it is important to do a thorough rate comparison when trying to find the best car insurance quotes for a Kia Optima.
Car insurance prices consist of many factors and can decrease or increase without notice, so the most economical option the last time you checked may now be quite expensive.