Finding affordable car insurance for a Kia Optima in Georgia can be pretty simple, but it relies on a fairly complex equation with a lot of factors such as how old the Optima is, if you are a frequent claim filer, and driving violations. Drivers in Georgia pay on average $872 per year to insure their Optima, but that figure is a valuation calculated based on a 40-year-old married female driver with full coverage and $1,000 deductibles.
But there is a good chance that you are not 40 years old and maybe not even female, maybe you are single instead of married, and maybe you want different deductibles. Even a slight change in rating variables or coverage information could result in a significant change in policy price.
Everyone has unique insurance needs, and this illustrates why the only way to find cheap car insurance rates for your Kia is to do your own rate comparisons.
The trim level of your Kia will be a contributing factor to price, so the price to insure a Optima LX trim level will be $76 less expensive the insurance cost for the more well-appointed Optima SX trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in Atlanta location which can influence prices noticeably.
Trying to find low-priced car insurance is not easy, and deciding which companies quote the best insurance rates for a Kia Optima will require more quotes for comparison. Each insurer has a proprietary formula to determine premium rates, so let’s begin by taking a look at the most budget-friendly insurance companies in Georgia.
Find Cheaper Auto Insurance for Your Optima
|Rank||Company||Cost Per Year|
|6||Georgia Farm Bureau||$1,273|
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Auto-Owners offers some of the cheapest car insurance rates in Atlanta at around $864 annually. This is $665 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also are some of the cheapest Atlanta, GA auto insurance companies.
In the rate table above, if you are currently insured with USAA and switched to Auto-Owners, you could earn a yearly savings of around $104. Insureds with Central Mutual could save as much as $329 a year, and MetLife customers might see rate reductions of $362 a year.
Bear in mind that those premium estimates are averages for all ages of drivers and types of vehicles and do not take into consideration an exact location for a Kia Optima. So the company that fits your needs best may not even be in the top 20 companies in the list above. That points out the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.
Cautious Atlanta drivers save money
One of the best ways to score the most affordable insurance prices for an Optima is to drive safe and have a clean driving record. The example below demonstrates how citations and fender-benders drive up insurance prices for each age group. The data is based on a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
In the chart above, the average cost of a car insurance policy per year with no violations or accidents is $2,510. Get written up for two speeding tickets and the average cost swells to $3,319, an increase of $809 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of insurance for a Kia Optima goes up to an average of $4,139. That’s an increase of $1,630, or $136 per month, just for not being attentive to the road!
Why you should shop around for Optima insurance
Georgia insurance rates are based on many factors that can increase the price you have to pay for coverage. Getting older, marrying your spouse, or getting into an accident may prompt premium changes that can now make some companies cheaper than others.
Not only that, but companies amend premium rates without warning in order to maintain liquidity for claims. A period of higher than normal claims may cause a rate increase, while lower claims can produce lower-cost Optima insurance rates.
The graph below demonstrates which company has the cheapest car insurance in Atlanta, GA for a 45-year-old male driver with no prior accidents, a clean driving record, and a decent credit rating. When quoting prices based on his personal risk profile, Auto-Owners might quote the cheapest car insurance rates in Atlanta at $1,126 a year. This is $403 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remaining top five cheapest Atlanta, GA auto insurance companies.
The chart below compares rates after we give the driver in the first example a claim, a little lower credit rating, and a speeding citation. Due to the fact that every auto insurer uses a different method for filing rates in each state, comparing quotes may now show a completely different list of affordable companies as shown below.
The Hartford now has the lowest car insurance rate in Atlanta with Travelers, Safeco, Mercury, and State Farm now being in the top five. This example illustrates why it is critical to perform a complete rate comparison to get the best insurance quotes for a Kia Optima.
Prices consist of many factors and change dramatically, so the cheapest company two years ago may now be wasting a lot of money.
Ideas to find low-cost auto insurance for a Kia Optima
The list below shows many money-saving suggestions that can help Georgia drivers locate cheap auto insurance.
- Pay lower rates with good credit
- Don’t waste money on full coverage for older vehicles
- Raise comprehensive and collision coverage deductibles
- Buy your auto and home insurance from the same company and save
- Avoid filing small claims
- Drive vehicles with five-star safety ratings
- Look for cheaper rates once a year by shopping around
That last tip is incredibly crucial, as we hit on in this article. Prices charged by companies vary considerably, so don’t be afraid to buy a different policy if a lower-cost policy is available.
We understand brand loyalty, but it isn’t a good idea if that devotion results in you overpaying a wad of cash every year. In less than five minutes you could shop around and find cheaper car insurance for a Kia Optima in Atlanta.
If you aren’t sure which coverage to buy and prefer to have a professional recommendation when shopping around for cheaper insurance for an Optima, the insurance agencies listed below can probably answer your questions and help you decide which auto insurance policy fits you best. To find an Atlanta insurance agency near you, click the link at the bottom.
White and White Insurance
2882 E Point St – Atlanta, GA 30344 – (404) 766-9390
Randy Beavers – State Farm Insurance Agent
135 Mount Vernon Hwy – Atlanta, GA 30328 – (770) 396-3810
Nationwide Insurance: Slater Insurance Agency LLC
501 Pulliam St SW #514a – Atlanta, GA 30312 – (404) 474-6356
PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903
Kaitlin Ponce – State Farm Insurance Agent
2285 Peachtree Rd #204 – Atlanta, GA 30309 – (404) 390-1190