Cheapest Insurance Quotes for a Kia Optima in Missouri

Our content editors always give us grief that when writing about car insurance, the word “cheap” shouldn’t be used anywhere to describe car insurance prices. Excuse the oxymoron, but cheap auto insurance for a Kia Optima does not exist. Don’t let that spoil your day, because there may be ways you can find and buy insurance that works with your budget.

The chances of buying the cheapest insurance for a Kia Optima in Missouri relies on many factors such as whether or not your vehicle has good safety ratings, if you are currently insured, and if you have a history of accidents. Drivers pay on average $960 every 12 months to insure an Optima, but that figure is a valuation using rating data for a 30-year-old single male with full coverage and $100 deductibles.

There is a good possibility you may not be 30 years old (or even male), possibly married instead of single, and you may just want the cheapest liability coverage you can find. Every car insurance policy is unique to the driver, so the best method for finding the most affordable coverage for your Kia is to get into the habit of comparing rates once a year. It’s really quite easy you can get prices from some of the cheapest companies available.

Save Now on Optima Insurance

Your Kia’s trim level will likely have an effect on the cost of insurance, so the price you pay to insure a Optima LX model will be $106 less expensive the price to insure the high end Optima SX model, as shown in the prices below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific Missouri garaging location which can change prices noticeably.

Trying to find cost effective insurance is hard enough, and finding out which companies offer the best car insurance rates for a Kia Optima involves more quotes for comparison.

Every auto insurer has their own unique process for setting rates, so let’s begin by examining the overall cheapest car insurance companies in Missouri.

Best Cheap Insurance Rates for Your Optima

Start Your Free Quote

USAA has some of the best car insurance rates in Missouri at around $668 annually. The Hartford, Electric, Allied, and Auto-Owners would also be considered some of the lowest-priced Missouri auto insurance companies.

As shown in the rates above, if you are a customer of Allied and switched to USAA, you might achieve a yearly price reduction of approxmiately $207. Policyholders with Auto-Owners may save as much as $329 a year, and Travelers insureds might reduce prices by as much as $360 a year.

Understand that those policy prices are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific rate value for a Kia Optima. So the car insurance company that has the cheapest rates for you may not even be shown in the company chart above. That illustrates why you need to get rate quotes using your own driver information and specific vehicle type.

The illustration below demonstrates how deductible levels can increase or decrease insurance prices when trying to find cheap insurance for a Kia Optima. The premiums assume a single female driver, full coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2683,2479,2253,2039],[‘Age 30’, 1849,1699,1527,1365],[‘Age 40’, 1715,1581,1427,1279],[‘Age 50’, 1503,1385,1251,1121],[‘Age 60’, 1453,1339,1209,1087],[‘Age 70’, 1699,1569,1423,1289]]);var options = {title: ‘Impact of Higher Deductibles on Kia Optima Insurance Rates in Missouri’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Kia Optima’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 50-year-old driver could lower their car insurance rates by $252 a year by increasing from a $100 deductible up to a $500 deductible, or save $382 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, could drop their prices up to $644 every year just by choosing higher deductibles when buying full coverage.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough in a savings account to be able to cover the extra out-of-pocket expense associated with higher deductibles.

Discounts on the cheapest insurance for a Kia Optima in Missouri

Insurance providers that offer quotes for a Kia Optima may also give you price discounts that can lower rates by as much as 30% if you are eligible. Large car insurance companies and some of their more popular discounts are:

The example below shows the difference between annual premium costs with and without discounts applied to the policy premium. The costs are based on a female driver, no claims or driving violations, Missouri state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, defensive driving course, multiple vehicle, anti-theft, vehicle safety, and multiple policy discounts applied. In this example, the the average yearly reduction on car insurance for a Kia Optima is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2913,2097],[‘Age 30’, 2017,1465],[‘Age 40’, 1869,1359],[‘Age 50’, 1637,1187],[‘Age 60’, 1581,1149],[‘Age 70’, 1843,1329]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Kia Optima’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Kia Optima’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Is the best company Allstate, State Farm, Geico, or Progressive?

When it comes to insurance for an Optima in Missouri, some of the first companies to look at are Allstate, State Farm, Geico, and Progressive. They all offer your standard coverages, but each one has unique coverages that shoppers can choose from. The data below ranks price, claims, and customer service ratings, as well as some optional coverages that are available for buyers.

Who has the cheapest Kia Optima insurance quotes?

Drivers have a lot of different ways to find cheaper car insurance in Missouri, but the most common are either through a captive (or exclusive) agent such as State Farm or Allstate, an independent agent, or direct from companies such as Geico or Progressive. Each way has the same basic process, but they are slightly different in how they give price quotes.

Independent insurance agents have contracts with multiple insurance companies and can compare rates with every one. These types of agencies possess the freedom to give you more rates, which can help you get improved odds of finding cheaper coverage. If a cheaper price is found, they can switch companies in-house and you can remain with the same agent.

An exclusive ageny is only able to quote rates with a single company, examples being a State Farm or Farmers agent. Exclusive agents normally do not have the ability to provide a range of price quotes, so unless you get quotes from other companies, you cannot determine which is cheapest.

Buying from a direct company means forego a local agent and buy from a direct company like Geico or Esurance. Shopping direct may be preferred by people who have limited assets and have a decent understanding of what specific coverages and deductibles they need.

What is the best way to buy the cheapest insurance for a Kia Optima in Missouri? Most people assume that buying direct saves money since that eliminates agent commissions, but unfortunately, it’s not that simple. It could also be said going through an independent agent can save the most money since they have more companies to choose from, but that’s not always true, either. In the right set of circumstances, exclusive agencies have really good rates that are well below what direct and independents offer.

Since car insurance prices are based on many different factors, the one way to ensure the lowest rates is to get quotes and compare. We highly recommend getting price quotes all three ways to have the best rate selection. For a list of car insurance companies with low rates, click here to view.