Who Has Cheap Insurance Quotes for a Kia Optima in South Carolina?

Your chances of buying affordable car insurance for a Kia Optima in South Carolina hinges on a lot of factors like whether you are male or female, whether or not you are currently insured, and physical damage deductibles. South Carolina drivers pay an average rate of $1,340 per year to buy Kia Optima insurance, but that policy rate is a valuation calculated based on a 30-year-old single female that includes full comprehensive and collision coverage and $100 physical damage deductibles.

There is a good chance you’re not a 30-year-old female, maybe you are married instead of single, or maybe you just want to insure for liability only. Every driver’s needs are different, and that is why the most reliable method for finding cheap auto insurance rates for your Kia is to shop your policy around every couple of years. Compare rate quotes now and you will receive price comparisons from some of the best insurers around.

Insure Your Kia for Less

The specific model of Optima can impact price, so the price you will be charged to insure a Optima LX trim level will be $158 cheaper than the cost to insure the more well-appointed Optima SX trim level, as shown in the table below.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Rate information does not factor in specific location information which can revise coverage rates greatly.

South Carolina car insurance companies

Selecting the highest-rated car insurance company can be rather challenging considering how many different companies there are to choose from in South Carolina. The company ratings in the next section could help you choose which providers you want to consider to insure your vehicles. These ratings include the largest companies in America, so companies that have a smaller presence are not included in this list.

Top 10 Major Auto Insurers in South Carolina Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top 10 Major Auto Insurers in South Carolina Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top Companies for Kia Optima Insurance in South Carolina

Discounts on South Carolina car insurance

Insurance providers that provide cheap insurance for a Kia Optima in South Carolina may additionally offer policy discounts that may potentially lower prices by as much as 25% or more if you are eligible for them. Popular car insurance companies and some of their more popular discounts can be read below.

• State Farm offers discounts including student away at school, anti-theft, Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, and accident-free.
• Farmers Insurance offers premium reductions for early shopping, mature driver, multi-car, alternative fuel, switch companies, distant student, and electronic funds transfer.
• Progressive offers discounts for multi-policy, continuous coverage, online quote discount, homeowner, multi-vehicle, and good student.
• GEICO has discounts for multi-vehicle, military active duty, defensive driver, anti-theft, membership and employees, multi-policy, and federal employee.
• Auto-Owners Insurance may have discounts that include air bags, safe driver, student away at school, group or association, anti-theft, multiple vehicles, and good student.
• The Hartford may include discounts for anti-theft, vehicle fuel type, good student, air bag, defensive driver, and driver training.
• Farm Bureau has savings for 55 and retired, driver training, multi-policy, multi-vehicle, renewal discount, good student, and safe driver.
• USAA policyholders can earn discounts including annual mileage, defensive driver, new vehicle, family discount, and military installation.

The information below shows the difference between insurance costs with and without discounts applied to the rates. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, South Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, marriage, safe-driver, multiple policy, multiple vehicle, and defensive driving course discounts applied. When these discounts are applied, the the average amount saved on car insurance for a Kia Optima is 28% or $700.

Is Allstate, Geico, Progressive, or State Farm cheaper?

When researching insurance for an Optima in South Carolina, probably the best companies to start with are Allstate, Geico, Progressive, and State Farm. If you put them all together, they insure over 45% of all policies written. The next table shows ratings and policy coverage options that are available.

How to find budget-friendly car insurance for a Kia Optima

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching suggestions that can help South Carolina drivers find the cheapest auto insurance.

• Serious violations like DUI or careless driving can make car insurance unaffordable
• Lower rates by purchasing a safer vehicle
• Higher credit scores may earn you cheaper rates
• Drive attentively and avoid accidents
• Raise comprehensive and collision coverage deductibles
• Assess whether full coverage is needed
• Compare rate quotes often

The final tip is incredibly crucial, as we discussed in this write-up. Insurance rates in South Carolina can change in a short period of time, so don’t be hesitant to change insurance companies if a more affordable price is available.

Brand loyalty is not necessarily bad, but we do not recommend it if it’s costing you lots of money. It only takes a couple minutes to compare rates and find cheaper car insurance for a Kia Optima.