Cheapest Insurance for a Kia Optima in West Virginia

Since we’re writing about car insurance, the word cheap should never be used as a descriptor for car insurance rates. It’s a simple fact that cheap car insurance for a Kia Optima can be extremely hard to find. We’ll try to make it up to you, because we can show you some ways you can still find and buy car insurance that you can afford.

The chances of buying the cheapest auto insurance for a Kia Optima in West Virginia is contingent on a complex formula that factors things such as whether you are a new or experienced driver, the size of your vehicle, and deductibles for comprehensive and collision coverage. Drivers in West Virginia pay on average $1,200 every 12 months to insure a Kia Optima, but that amount is an estimation that rates a 40-year-old single male who purchased full coverage and $250 deductibles.

This brings up the issue that more than likely you are not 40 and maybe not even a male, married instead of single, or maybe you have a speeding ticket or two that will increase rates. Each driver has unique rating factors, so the best way to find cheap car insurance rates for your Kia is to compare rates from as many companies as possible. Compare rate quotes now and you will receive prices from the cheapest companies that insure vehicles in West Virginia.

Find Cheaper Kia Optima Insurance

The trim level of your vehicle will have an impact the coverage cost, so the price to insure a Optima LX will be $134 less than the insurance cost for the fancier Optima SX model, as shown in the prices below.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in West Virginia location which can influence insurance rates greatly.

Buying coverage from the highest-rated company is hard considering how many choices drivers have in West Virginia. The ranking data in the lists below can help you choose which insurers to look at comparing price quotes from. These rankings include the companies with a significant amount of written premium nationwide, so companies with more of a regional focus will not be included in this list.

Rate comparison of full coverage and liability-only

Finding the cheapest insurance for a Kia Optima in West Virginia is probably important to most people, and one good way to buy cheaper insurance is to not insure for full coverage. The diagram below visualizes the comparison of yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no accidents or driving violations, $250 deductibles, marital status is single, and no discounts are factored in.

If averaged for all ages, physical damage coverage costs an additional $2,418 per year over liability only. That proposes the question if buying full coverage is a waste of money. There is no set guideline to delete physical damage coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

There are some conditions where removing full coverage is not recommended. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Poor driving habits will raise your car insurance rates

A great way to earn the best car insurance rates in West Virginia for an Optima is to drive attentively and avoid accidents and violations. The example below shows how violations and at-fault claims can raise auto insurance rates for different insured age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

The chart shows that the average cost of a car insurance policy in West Virginia per year with no violations or accidents is $2,235. Add in one speeding ticket and the average cost hikes up to $2,569, an increase of $333 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for a Kia Optima increases to an average of $3,504. That’s an increase of $1,269, or $106 per month, just for not driving attentively!

Progressive, State Farm, Allstate, and Geico: Who is best?

When buying insurance for an Optima in West Virginia, the companies that insure more vehicles than anyone else are Progressive, State Farm, Allstate, and Geico. All four can cover your vehicle for liability and physical damage, but each one has unique features and discounts that shoppers can choose from. The table below rates pricing and service ratings, as well as optional policy coverages shoppers can expect to find with each one.