Best Cheap Insurance Quotes for a Kia Optima in Arizona

Because the topic is car insurance, the words “cheap” or “affordable” really shouldn’t be used anywhere in the article to describe car insurance rates. It’s a simple fact that cheap auto insurance for a Kia Optima can be hard to find. But fear not, because we will show you how you can still get car insurance that doesn’t break your budget.

Your chances of buying cheap car insurance for a Kia Optima in Arizona depends on a whole bunch of factors like the age of the Optima, where your vehicle is garaged, and if you had any at-fault accidents in the last few years. Drivers in Arizona on average will pay $890 per year to insure a Kia Optima, but that policy rate is a ballpark figure based upon a 50-year-old single male driver that included both comprehensive and collision coverage and $250 deductibles.

Most likely you aren’t exactly 50 years old or even a male, married instead of single, and you possibly have other drivers on your policy that need factored in. What people think is a minor change in the factors used to determine rates can cause big changes in the rate quoted for a Kia Optima.

Having different needs demonstrates why the only real way to find the cheapest rates for your Kia is to comparison shop your policy at each renewal.

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The specific model of Optima will likely have an effect on the coverage cost, so the rate you will pay to insure a Optima LX trim level will be $96 less expensive the price to insure the higher-end Optima SX version, as shown in the prices below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Table data does not factor in specific Arizona garaging location which can revise coverage prices noticeably.

Best insurance company in Arizona

Picking the highest-rated insurer can be challenging considering how many choices you have in Arizona. The rank data in the next section can help you analyze which providers you want to consider when comparing auto insurance rates for a Kia Optima.

These rankings are only made up of companies that insure vehicles across America, so companies that have a smaller presence are not included in these rankings. To compare price quotes from these and other competitive companies, click here.

Top 10 Major Auto Insurers in Arizona Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. State Farm – 90%
5. Nationwide – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. The General – 88%
9. 21st Century – 88%
10. Liberty Mutual – 88%

Top Companies for Kia Optima Insurance in Arizona

Drive safe and save

The recommended way to earn affordable insurance rates in Arizona for an Optima is to drive cautiously and avoid tickets and accidents. The diagram below shows how speeding tickets and fender-benders can influence annual premium costs for different age groups. The price estimates are based on a single male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

In the previous chart, the average cost of auto insurance per year with no accidents and a clean driving record is $1,919. Receive one speeding ticket and the average cost jumps to $2,163, an increase of $244 each year. Now add in one accident along with the one speeding ticket and the annual cost of insurance for a Kia Optima increases to an average of $2,846. That’s an increase of $928, or $77 per month, just for being a careless driver!

Allstate vs State Farm vs Geico vs Progressive

When comparing insurance for an Optima in Arizona, the companies that insure more vehicles than anyone else are Allstate, State Farm, Geico, and Progressive. All of them have somewhat different options that may steer you one way or another. The table below compares ratings and policy coverage options offered by each one.

How to find more affordable auto insurance for a Kia Optima

Below you’ll find some thrifty ideas that can help Arizona drivers quote the cheapest coverage.

• Avoid preventable accidents
• Raise deductibles to save money
• Maintain a clean driving record
• Better credit scores save money
• Vehicles with safetly features generally cost less to insure
• Drop full coverage on older vehicles
• Keep rates low by shopping around frequently

That last piece of advice is extremely important, as we emphasized in this piece. Rates in Arizona can change in a short period of time, so drivers shouldn’t hesitate to buy a policy from a new company if you can save money. Brand loyalty is great, but it’s not recommended if that loyalty ends up costing a wad of cash every year. Take a few minutes and compare prices and find cheaper car insurance for a Kia Optima.