Best Cheap Insurance Quotes for a Kia Optima in Minnesota

The likelihood of finding the best cheap car insurance for a Kia Optima in Minnesota relies on dozens of factors like how experienced of a driver you are, if you have ever had a gap in coverage, and the deductible amount you use. Drivers in Minnesota will pay around $800 per year to buy insurance for a Kia Optima, but that amount is a projection that uses rate data for a 40-year-old married female driver with full coverage including both comprehensive and collision and $500 deductibles.

There is a good chance you are not 40 and maybe not even a female, you might be single instead of married, or maybe your Optima doesn’t need comprehensive and collision coverage. Even a minor change in policy rating factors could result in a significant change in policy price.

Car insurance rates are unique for each driver, so the way we recommend to find the cheapest rates for your Kia is to comparison shop your policy at each renewal. Quotes are free and easy and you will receive prices from some of the best insurers that insure Kia vehicles in Minnesota.

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Your vehicle’s trim level has an effect on the yearly cost, so the price to insure a Optima LX trim level will be $80 cheaper than the cost to insure the higher-priced Optima SX model, as shown in the chart below.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in your specific Minnesota location which can revise rates greatly.

Ending up with the top company is difficult considering how many companies there are to choose from in Minnesota. The ranking data listed below can help you choose which providers to look at when shopping around.

The rankings below only include companies with a national presence, so companies that only write business in Minnesota or surrounding areas will not be included in this list. To compare rates from these top insurers and more, follow this link.

Top 10 Major Auto Insurance Providers in Minnesota Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Liberty Mutual
6. GEICO
7. Travelers
8. Allstate
9. The Hartford
10. Esurance

Top 10 Major Auto Insurance Providers in Minnesota Ranked by Customer Satisfaction

1. USAA – 92%
2. 21st Century – 88%
3. American Family – 88%
4. Nationwide – 88%
5. State Farm – 88%
6. Progressive – 87%
7. Liberty Mutual – 87%
8. AAA Insurance – 87%
9. The Hartford – 87%
10. Farmers Insurance – 87%

Top Companies for Kia Optima Insurance in Minnesota

Safe drivers pay less for car insurance

The easiest method to receive good car insurance rates for an Optima is to be a good driver and not have accidents or get tickets. The illustration below highlights how traffic violations and at-fault accidents impact insurance costs for different age groups. The rate quotes are based on a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.

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In the previous chart, the average cost of car insurance in Minnesota per year with no violations or accidents is $1,728. Get written up for two speeding tickets and the average cost increases to $2,380, an increase of $652 each year. Now add one accident along with the two speeding tickets and the annual cost of car insurance for a Kia Optima jumps again to an average of $3,042. That’s an increase of $1,314, or $110 per month, just for being a little careless behind the wheel!

Allstate, Geico, State Farm, or Progressive: Which is best?

If you want reliable insurance for an Optima in Minnesota, the most popular companies are Allstate, Geico, State Farm, and Progressive. They all offer a slightly different set of options and discounts that buyers can select from. The table below shows ratings for price, service, and claims, in additional to some of the optional coverages you can expect with each one.