Cheapest Insurance for a Kia Optima in Illinois

The chances of buying the best cheap auto insurance for a Kia Optima in Illinois hinges on things like whether you are married or single, if you have recent claims, and if you have a clean driving record. Drivers in Illinois pay on average $640 per year to insure their Optima, but that is an estimate based on a 40-year-old married male driver who needs full coverage including both comprehensive and collision and $500 policy deductibles.

Odds are that you aren’t exactly 40 years old or even a male, maybe you are single instead of married, or maybe you are just looking for cheap liability insurance. Changing even a minor factor in rating variables can cause significant differences in policy price.

Auto insurance is not the same for everyone, so the only real way to find the cheapest rates for your Kia is to regularly compare rates at renewal. In less than five minutes you will receive rate quotes from top-rated car insurance companies in Illinois.

Cheapest Kia Optima Insurance Rates

The trim level of your vehicle tends to impact the insurance rate, so the rate you will pay to insure a Optima LX trim level will be $64 less expensive the insurance cost for the more costly Optima SX trim level, as shown below.

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rates do not factor in specific zip code location which can change insurance rates substantially.

Comparing quotes for budget car insurance is hard enough, and deciding which companies have the best insurance rates for a Kia Optima takes more quotes for comparison. Every insurance provider uses different criteria for determining rates in each state, so we’ll go over the insurance companies with the overall cheapest rates in Illinois.

It’s important to know that Illinois insurance rates are impacted by many things that will increase or decrease the policy price. Price variation is why consumers need to take the time to take the time to shop around when trying to find the cheapest car insurance quotes for a Kia Optima. Insurance prices are made up of many risk factors and change substantially, so the cheapest company when you bought your policy may now be priced much higher than other options.

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The Hartford quotes some of the best car insurance rates in Illinois at around $753 a year. Rockford Mutual, Erie, Titan, and Cincinnati Insurance also qualify as some of the cheapest Illinois insurance companies.

As shown above, if you are a customer of Titan and switched to Rockford Mutual, you could see an annual premium reduction of in the vicinity of $65. Customers with Cincinnati Insurance may save as much as $102 a year, and USAA insureds might lower prices by $146 a year.

Be aware that those estimates are averages for all types of insureds and vehicles and and are not calculated with a specific rate value for a Kia Optima. So the insurer that fits you best may not even be shown in the list above. That points out the importance of why you need to get rate quotes using your own individual information.

The chart below demonstrates how deductibles can affect insurance prices when researching cheap insurance for a Kia Optima. The data assumes a single female driver, full physical damage coverage, and no discounts are factored in.

The data above shows that a 50-year-old driver could reduce rates by $288 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $434 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old example, could shave as much as $734 annually by using higher deductibles when buying full coverage. When choosing a higher deductible, it will now be necessary to have plenty of money set aside to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Illustration showing the impact of accidents and violations

In a perfect world, the ideal way to receive the most affordable insurance rates in Illinois for an Optima is to drive safely and not have accidents or get tickets. The illustration below shows how violations and at-fault claims impact premium costs for different categories of driver ages. The premiums are based on a single male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of a car insurance policy in Illinois per year with no accidents or violations is $1,488. Add in one speeding ticket and the average cost jumps to $1,679, an increase of $190 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of insurance for a Kia Optima goes up to an average of $2,207. That’s an increase of $719, or $60 per month, just for being a little careless behind the wheel!