Finding the best cheap coverage for a Kia Optima in Texas is dependent upon a lot of rating factors such as annual miles driven, the likelihood of your vehicle being stolen, and your motor vehicle report. Drivers pay around $879 per year to insure their Optima, but that price is an estimate using a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
But there is a high probability that you are not 50 years old and maybe not even female, you might be married instead of single, or maybe you want different physical damage deductibles. Having what appears to be a very minor change in rating variables or coverage information may result in a big change in policy price.
Insurance is an individual thing, so the way we recommend to find the cheapest coverage for your Kia is to compare as many rates as you can. Quotes are always free and you can get rates from some of the best insurers that insure Kia vehicles in Texas.
The trim level of your vehicle can impact the insurance rate, so the rate you pay to insure a Optima LX trim level will be $74 cheaper than the cost to insure the more expensive Optima SX model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $156 | $306 | $486 | $28 | $146 | $1,122 | $94 |
| Optima EX | $176 | $360 | $486 | $28 | $146 | $1,196 | $100 |
| Optima SX | $176 | $360 | $486 | $28 | $146 | $1,196 | $100 |
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in garaging location in Corpus Christi which can alter premiums significantly.
Selecting the right insurance provider is difficult considering how many different companies insure vehicles in Texas. The company rank data shown below can help you decide which car insurance providers to look at when trying to find the cheapest insurance for a Kia Optima. These rankings include large nationwide companies, so smaller regional companies are not included in this list.
Top 10 Large Car Insurance Companies Overall in Corpus Christi
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Rate comparison of full coverage and liability-only
Saving on insurance is probably important to most people, and one of the fastest ways to reduce the cost of insurance for a Kia Optima is to not buy full coverage. The example below shows the difference between car insurance rates with full coverage compared to only the Texas minimum liability coverage. The rate quotes are based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.
On average, comprehensive and collision coverage on your policy costs $2,726 per year more than insuring for liability only. That may make you wonder if buying full coverage is worth the expense. There is no exact formula of when to stop paying for comp and collision coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your vehicle’s replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after paying your policy deductible. If you are paying in excess of $300 a year for your policy with full coverage, then you might consider buying liability only.
The example below shows how different deductible levels can affect premium costs when getting quotes for cheap insurance for a Kia Optima. The premiums are based on a single female driver, full coverage, and no policy discounts are applied.
As shown above, a 40-year-old driver could pocket $422 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $634 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, can save up to $1,074 every year by choosing a higher deductible. If you make the decision to raise deductibles, it’s a good idea to have emergency funds available to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How to get discounts on Corpus Christi car insurance rates
Insurance companies that offer cheap quotes for a Kia Optima may have policy discounts that could potentially reduce rates by as much as 30% if you qualify for them. A list of companies and some of the discounts include:
- 21st Century offers discounts including teen driver, 55 and older, defensive driver, automatic seat belts, anti-lock brakes, homeowners, and driver training.
- Progressive has discounts for online signing, online quote discount, continuous coverage, multi-policy, and multi-vehicle.
- State Farm may include discounts for Steer Clear safe driver discount, Drive Safe & Save, multiple policy, good student, and safe vehicle.
- Nationwide offers discounts for family plan, easy pay, anti-theft, defensive driving, and business or organization.
- Esurance policyholders can earn discounts including renters, anti-lock brakes, defensive driver, Switch & Save, and safety device.
- The Hartford may offer discounts for good student, air bag, bundle, driver training, defensive driver, and anti-theft.
The example below illustrates the difference between premium costs with and without discounts applied to the policy premium. The rates are based on a female driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, vehicle safety, claim-free, marriage, defensive driving course, and safe-driver discounts applied. When discounts are applied, theaverage amount saved on insurance for a Kia Optima is 28% or $782.