Cheapest Insurance Quotes for a Kia Optima in California

Cheapest Insurance Quotes for a Kia Optima in California

The chances that you’ll find affordable car insurance for a Kia Optima in California depends on a complicated formula that considers factors like your gender, the size of your vehicle, and any prior driving offenses you have. California drivers pay on average $1,280 each year to buy Kia Optima insurance, but that price is a valuation calculated using a 40-year-old single male who requires full coverage and $500 policy deductibles.

There is a high probability that you are not exactly 40 years old and possibly not even male, maybe you are married instead of single, or you have a violation or two on your driving record. What seems to be a minor change in policy rating factors could end up in a significant change in the price of a policy.

There is no perfect policy for every driver, so your best chance at finding the cheapest insurance price for your Kia is to take your time and compare rates from as many companies as possible.

Compare Kia Optima Insurance Rates

The trim level of your Kia will most likely have an effect on the annual cost of coverage, so the price you will be charged to insure a Optima LX trim level will be $128 lower than the cost to insure the fancier Optima SX trim level, as shown in the table below.

Kia Optima Insurance Rates in California
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $272 $534 $604 $36 $180 $1,626 $136
Optima EX $306 $628 $604 $36 $180 $1,754 $146
Optima SX $306 $628 $604 $36 $180 $1,754 $146
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate quotes do not factor in your specific California location which can affect price quotes substantially.

Ending up with the highest-rated insurance provider can be rather challenging considering how many choices there are in California. The ranking information listed below could help you pick which auto insurers you want to consider to insure your vehicles.

These ratings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies that may only write in California are not factored into the list. If you would like to check rates from these companies and more, follow this link.

California Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Insure.com Best Car Insurance Companies

Full coverage versus liability-only in California

Finding the cheapest insurance for a Kia Optima in California is the goal of the majority of people, and a good way to buy cheaper insurance is to not insure for full coverage. The example below illustrates the comparison of insurance costs with full phyical damage coverage and with liability coverage only. Data assumes no claims or driving violations, $100 deductibles, single marital status, and no policy discounts are applied.

If the expense is averaged for all age categories, comp and collision coverage costs an extra $3,444 per year more than just buying liability only. That raises the question if physical damage coverage is worth the money. There is no definitive rule to stop buying full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let’s say your vehicle’s claim settlement value is $11,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $10,500 after paying your deductible. If it’s costing you more than $1,050 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

How to get discounts on California car insurance rates

Discounts on insurance for a Kia OptimaAuto insurance companies that provide the cheapest insurance for a Kia Optima in California could also offer rate discounts that can lower rates by as much as 35% or more if you are eligible for them. Popular insurance companies and a summarized list of policyholder discounts can be found below.

Auto Insurance Discounts for Popular Insurance Companies
Discount Allstate Progressive Geico State Farm Nationwide Farmers Liberty Mutual
Multi-policy Yes Yes Yes Yes Yes Yes Yes
Multi-vehicle No Yes Yes Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Anti-lock brakes Yes No Yes Yes No No Yes
Passive restraint Yes No Yes Yes Yes Yes Yes
New vehicle Yes No No Yes Yes Yes No
Eco vehicle Yes No No No No Yes Yes
Safe driver Yes Yes Yes Yes Yes Yes No
Defensive driver training Yes Yes Yes Yes Yes Yes No
Military No Yes Yes Yes No Yes No
Occupational No No Yes No Yes Yes Yes
Full payment Yes Yes Yes No Yes Yes Yes
Auto-pay Yes Yes Yes No Yes Yes Yes
Brand loyalty No Yes No Yes Yes Yes No
Early sign-up Yes No No No Yes Yes No
Smart student Yes Yes Yes Yes Yes Yes Yes
Student away from home Yes Yes No Yes Yes Yes Yes
Own a home No Yes No No No Yes No
Seat belt usage No No Yes No No No No
Online rate quote No Yes No No No No No
Teenage driver No Yes No No No No Yes
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The example below compares insurance costs with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, anti-theft, multiple policy, vehicle safety, and accident-free discounts applied. When these discounts are applied to the policy premium, the the average amount saved on insurance for a Kia Optima is % or $.