Who Has Cheap Insurance for a Kia Optima in Wyoming?

Who Has Cheap Insurance for a Kia Optima in Wyoming?

We always joke that when we write about auto insurance, the words cheap or affordable should not appear as a descriptor for auto insurance rates. Notwithstanding, cheap car insurance for a Kia Optima is just plain contradictory. But fear not, because we are going to tell you how you can quote and buy auto insurance that won’t break the bank.

The chances of finding the best cheap auto insurance for a Kia Optima in Wyoming is dependent upon a complex formula that factors things like the age of the Optima, if you have maintained coverage continuously, and your choice of physical damage deductibles. Drivers in Wyoming pay approximately $1,010 a year to insure an Optima, but that price is using a 40-year-old married female driver that purchased full comprehensive and collision coverage and $250 deductibles.

This brings up the issue that more than likely you are not 40 years old and maybe not even female, single instead of married, and you may just want the cheapest liability coverage you can find. Every car insurance policy is unique to the driver, so the best way to find cheap insurance prices for your Kia is to quote often and with as many companies as possible. Price quotes are quick and you will receive rate quotes from the cheapest companies around.

Insure Your Kia for Less

Your vehicle’s trim level will be a contributing factor to the yearly cost, so the rate you will pay to insure a Optima LX model will be $110 cheaper than the cost to insure the higher-end Optima SX version, as demonstrated by the prices below.

Kia Optima Insurance Rates in Wyoming
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $238 $458 $426 $26 $128 $1,276 $106
Optima EX $268 $538 $426 $26 $128 $1,386 $116
Optima SX $268 $538 $426 $26 $128 $1,386 $116
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific location which can decrease or increase coverage prices substantially.

Picking the top car insurance company is difficult considering how many different insurance companies sell coverage in Wyoming. The ranking data shown below may help you choose which auto insurance companies you want to consider when comparing rates.

These ratings are only made up of large nationwide companies, so smaller companies are not included in these rankings. To get price quotes and find cheaper insurance for a Kia Optima, follow this link.

Top 15 Car Insurance Companies in Wyoming
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
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Data Source: Insure.com Best Car Insurance Companies

Full coverage versus liability-only

Finding cheap insurance for a Kia Optima in Wyoming is important to the majority of drivers, and one good way to save on the cost of insurance is to not buy comprehensive and collision coverage. The example below compares auto insurance rates with full coverage and liability only. The prices are based on no claims or violations, $500 deductibles, drivers are single, and no discounts are applied.

Averaged for all age groups, full coverage on your policy costs $2,288 per year more than insuring for liability only. A very common question is if you should buy full coverage at all. There is no written rule that works best for making the decision to drop comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

The example below demonstrates how deductibles can increase or decrease premium costs when researching cheap insurance for a Kia Optima. The premiums are based on a single male driver, full coverage, and no other discounts are factored in.

As shown above, a 40-year-old driver could lower rates by $352 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $530 by using a $1,000 deductible. Youthful drivers, like the 20-year-old category, could potentially save $1,164 annually by choosing a larger deductible amount. When increasing deductibles, it is necessary to have additional funds squirreled away to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

How to find cheap insurance for a Kia Optima in Wyoming

The list below summarizes some of the better money-saving suggestions that can help drivers buy low-cost car insurance.

  • Buy a safer vehicle
  • Serious violations like DUI or reckless driving can increase rates dramatically
  • Buying home and auto together can help save money
  • Do not file small claims
  • Drop full coverage on older vehicles
  • Do not get into accidents
  • Shop around for cheaper rates regularly

The last item on the list is notably critical, as was pointed out in this write-up. Insurance rates in Wyoming adjust frequently, so don’t be hesitant to switch companies if you find a better deal.

Many drivers tend to have loyalty to a certain company, but we do not recommend it if that loyalty results in overpaying a fortune every year. In less than five minutes you could compare prices to find cheaper car insurance for a Kia Optima.