Who Has the Cheapest Insurance for a Kia Optima in Delaware?

Whenever people write about car insurance, the word affordable should never appear as a descriptor for auto insurance rates. Unfortunately, cheap auto insurance for a Kia Optima can be extremely hard to find. But don’t let us ruin your dream, because we are going to show you how you can get car insurance that works with your budget.

The likelihood of finding cheaper insurance for a Kia Optima in Delaware hinges on a pretty complex algorithm that uses a lot of factors like how many miles you drive each year, whether or not you have prior claims, and your choice of physical damage deductibles. Drivers pay on average $1,120 annually for Optima insurance, but that cost is a projection that uses a 40-year-old married male driver with full physical damage coverage and $250 policy deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 40 and maybe not even a male, possibly single instead of married, or you just want cheap liability insurance instead of full coverage. Every auto insurance policy is unique to the driver, so the only real way to find cheap auto insurance rates for your Kia is to comparison shop your policy at each renewal. Quotes only take a couple of minutes and you will be able to see rates from top-rated companies that insure Kia vehicles in Delaware.

Cheapest Kia Optima Insurance Rates

The specific model of Optima has an effect on the cost of coverage, so the cost to insure a Optima LX will be $122 less than the price to insure the higher-end Optima SX model, as shown in the table below.

Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Delaware minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in Delaware location which can lower or raise rates greatly.

Comparing rates for reasonably-priced auto insurance is not the easiest thing to do, and deciding which companies quote the cheapest auto insurance rates for a Kia Optima may require a little more work.

Each company has their own unique process for setting prices, so we’ll take a look at the auto insurance companies with the most affordable rates in Delaware. It’s important to know that Delaware auto insurance rates are impacted by many factors which can substantially change the policy premium. Simply improving your credit score, buying another vehicle, or getting caught speeding can trigger changes in premium resulting in some rates now being less affordable than competitors.

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USAA normally has some of the most affordable car insurance rates in Delaware at around $840 per year. Travelers, Nationwide, Atlantic States, and Titan also are some of the cheaper Delaware auto insurance companies.

As shown above, if you are a customer of Nationwide and switched to USAA, you could earn annual savings of approxmiately $452. Insureds with Atlantic States might save as much as $478 a year, and Titan insureds might lower prices by $491 a year.

To discover how much you can save, click here to begin a quote or click through to the companies below.

Be aware that those policy rates are averages across all drivers and vehicles in Delaware and do not take into consideration a specific rating modification for a Kia Optima. So the car insurance company that fits your situation best may not even be shown in the list above. That is why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

Discounts on the cheapest insurance for a Kia Optima in Delaware

Insurance companies that sell policies for a Kia Optima may have special discounts that could reduce prices by 25% or more if you meet specific eligibility requirements. A few of the larger companies and a partial list of their discounts are:

The example below illustrates the difference between annual premium costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no accidents or driving violations, Delaware state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, passive restraint, claim-free, safe-driver, defensive driving course, and vehicle safety discounts applied. When drivers take advantage of discounts, the the amount saved on auto insurance for a Kia Optima is 43% or $681.

The illustration below demonstrates how deductibles can affect insurance rates when trying to find cheap insurance for a Kia Optima. The data assumes a single male driver, full physical damage coverage, and no additional discounts are factored in.

A 40-year-old driver could reduce rates by $466 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $702 by using a $1,000 deductible. Young drivers, like the 20-year-old category, could save $1,538 each year by selecting a higher deductible.

If you make the decision to raise deductibles, it is necessary to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.