Cheapest Insurance for a Kia Optima in Pennsylvania

The chances of buying the cheapest car insurance for a Kia Optima in Pennsylvania relies on a complex calculation that is influenced by things like if you are a renter or homeowner, the insurance company you are currently insured with, and your policy deductibles. Pennsylvania drivers on average pay approximately $1,180 annually to buy insurance for a Kia Optima, but that rate is an estimate based on a 30-year-old single female driver that includes full coverage including both comprehensive and collision and $250 policy deductibles.

There is a very good chance that you are not 30 and possibly not even female, you might be married instead of single, and there is a good chance that other rated drivers impact the rate. Different coverage needs are the reason why the only real way to find affordable rates for your Kia is to make a habit of comparing rates at every renewal. Do a quick rate comparison now and you can get prices from the best companies that insure vehicles in Pennsylvania.

Cheapest Kia Optima Insurance Rates

The trim level of your vehicle will be a contributing factor to price, so the price to insure a Optima LX will be $130 cheaper than the price to insure the more costly Optima SX version, as shown in the chart below.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in specific Pennsylvania garaging location which can increase or decrease insurance rates noticeably.

Ratings for Pennsylvania insurance companies

Picking a high-quality auto insurance company is difficult considering how many choices there are in Pennsylvania. The company information listed below could help you choose which coverage providers to look at when insurance shopping for a Kia Optima. These rankings are only made up of companies that write coverage in many states, so companies that may only write in Pennsylvania are not factored into the list.

Top 10 Major Car Insurance Companies in Pennsylvania Ranked by Customer Satisfaction

1. Titan Insurance – 93%
2. The Hartford – 93%
3. The General – 91%
4. Progressive – 90%
5. 21st Century – 89%
6. USAA – 87%
7. Erie Insurance – 87%
8. State Farm – 87%
9. Travelers – 87%
10. Safeco Insurance – 86%

Top Companies for Kia Optima Insurance in Pennsylvania

Discount Pennsylvania auto insurance

Insurance providers that sell the cheapest insurance for a Kia Optima in Pennsylvania may have rate discounts that could reduce prices by 25% or more if you are eligible to receive them. A few of the larger companies and some of their more popular discounts can be read below.

The chart below shows the comparison of auto insurance costs with and without policy discounts. The premiums are based on a male driver, no claims or driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, safe-driver, homeowner, multiple vehicle, passive restraint, and accident-free discounts applied. When these discounts are applied, the average savings per year on insurance for a Kia Optima is 43% or $715.

Best rates: Progressive, Geico, Allstate, or State Farm

When comparing rates for insurance for an Optima, some of the largest companies to start with are Progressive, Geico, Allstate, and State Farm. Between them, they insure nearly half of all policies written. Each one has unique coverages that shoppers can select from. The following table ranks price, claims, and customer service ratings, as well as some optional coverages offered by each one.