How Much Does Insurance Cost for a Kia Optima in Connecticut?

Your chances of buying cheap auto insurance for a Kia Optima in Connecticut hinges on things like whether you use your Optima for business use, your claims history, and blemishes on your driving record. Connecticut drivers pay approximately $1,030 a year to buy Kia Optima insurance, but that policy rate is a ballpark figure calculated using a 40-year-old single female who needs full comprehensive and collision coverage and $500 physical damage deductibles.

There is a good possibility you are not 40 years old and maybe not even female, possibly married instead of single, or maybe you prefer liability limits higher than required by Connecticut state law. There is no one cookie-cutter policy that works for everyone, so the most reliable way to find cheap insurance rates for your Kia is to get into the habit of comparing rates once a year.

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The specific model of Optima impacts price, so the cost to insure a Optima LX model will be $98 cheaper than the price to insure the higher-end Optima SX version, as shown in the prices below.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in specific location which can impact price quotes greatly.

Finding out which companies offer the best car insurance rates for a Kia Optima will take a tad more effort in order to find the best policy. Each auto insurance company uses their own formula for setting rates, so to begin we’ll rank the car insurance companies with the overall cheapest rates in Connecticut.

Best Car Insurance Prices for Your Optima

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Utica National offers some of the most affordable car insurance rates in Connecticut at around $965 each year. Travelers, Amica, USAA, and Nationwide also qualify as some of the cheaper Connecticut insurance companies.

In the rate table above, if you are currently insured with Nationwide and switched to Travelers, you may see annual savings of upwards of $260. Insureds with Unitrin may save as much as $397 a year, and State Farm policyholders might see rate reductions of $438 a year.

Be aware that those premium estimates are averaged across all drivers and vehicles in Connecticut and and are not calculated with a specific rate factor for a Kia Optima. So the car insurance company that can offer you the best rate may not even be in the rate chart shown above. That affirms the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

Do you need full coverage?

Finding cheap insurance for a Kia Optima in Connecticut should be important to most vehicle owners, and one of the easiest ways to buy cheap insurance is to only buy liability insurance. The example below illustrates the comparison of auto insurance costs with full physical damage coverage compared to only buying liability only. The rates are based on no claims or driving citations, $100 deductibles, single status, and no additional discounts are factored in.

If averaged out across all ages, physical damage insurance costs an extra $2,471 per year more than buying just liability insurance. That may make you wonder if buying full coverage is a waste of money. There is no specific rule to stop paying for comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

Progressive vs Geico vs State Farm vs Allstate

When comparing rates for insurance for an Optima in Connecticut, the four most popular companies are Progressive, Geico, State Farm, and Allstate. The table below compares ratings for price and service, as well as some optional coverages that may be available in your state.

How to find low-cost car insurance for a Kia Optima

The list below details a few thrifty solutions that can help Connecticut drivers get more affordable coverage.

• Safe vehicles cost less to insure
• Avoid price increases by not filing claims
• Maintain a clean driving record
• Accident-free drivers may qualify for discounts
• Good credit scores may lower your rates
• Compare rates regularly and switch companies to save money

The last suggestion is especially valuable, as we pointed out in the prior article. Auto insurance prices in Connecticut can be changed at any time, so drivers shouldn’t be resistant to switch companies if you find a better deal. Many drivers prefer to stick with one company, but it’s not a good idea if that loyalty ends up costing a lot of money. Now is a great time to compare prices and find cheaper auto insurance for a Kia Optima.