How Much Does Insurance Cost for a Kia Optima in Texas?

The chances that you’ll find cheaper coverage for a Kia Optima in Texas is dependent upon a large number of factors such as your date of birth, your claims history, and your choice of deductibles. Drivers on average pay approximately $830 per year to insure their Optima, but that figure is assuming a 40-year-old married male that has full physical damage coverage and $1,000 policy deductibles.

The problem with using this number is the good chance you may not be 40 years old (or even male), single instead of married, or maybe you need higher liability limits than the state minimum. Even a minor difference in the rating criteria used to formulate rates can result in a massive change in how much insurance for a Kia Optima costs.

Every driver has different characteristics, so the only way to find cheap insurance prices for your Kia is to get into the habit of comparing rates once a year.

View Kia Optima Insurance Rates

The specific trim level tends to have a direct impact on the yearly cost, so the price you will be charged to insure a Optima LX will be $70 lower than the insurance cost for the more well-appointed Optima SX model, as shown by the rates below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in garaging location in Texas which can raise or lower coverage prices noticeably.

Best auto insurance in Texas

Selecting a highly-rated company can be difficult considering how many different insurance companies sell coverage in Texas. The company information below could help you analyze which car insurance providers you want to consider when comparing insurance rates for a Kia Optima. These rankings only include companies with a national presence, so companies that have a smaller presence will not be included in this list.

How accidents and violations affect rates

The best way to receive good auto insurance premiums in Texas for an Optima is to drive carefully and maintain a clean driving record. The information below highlights how traffic violations and accidents increase car insurance costs for different age categories. The data is based on a single female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

The data above shows the average cost of car insurance in Texas per year with no accidents and a clean driving record is $2,587. Factor in two speeding tickets and the average cost surges to $3,477, an increase of $890 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for a Kia Optima jumps again to an average of $6,739. That’s an increase of $4,152, or $346 per month, just for not driving attentively!

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

If you’re looking for the cheapest insurance for an Optima in Texas, four of the larger companies to compare rates for are Progressive, Geico, State Farm, and Allstate. If you combine them together, they insure about half of the car insurance market in the United States. The next table illustrates some of the different features that you can purchase from each one.