Who Has the Cheapest Auto Insurance for a Kia Optima in Houston?

Buying affordable car insurance for a Kia Optima is normally pretty easy, but it depends on a lot of different factors such as whether you are married or single, if you have recent claims, and blemishes on your driving record. Drivers in Texas will pay around $1,236 annually for Optima insurance, but that price is an approximation based upon a 50-year-old single male driver with full physical damage coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you’re not a 50-year-old male, married instead of single, or maybe you have a speeding ticket that needs to be factored in. Just a slight change in the criteria used to calculate rates can result in a massive change in the cost of insuring your Optima.

This demonstrates why the best method for finding cheap auto insurance rates for your Kia is to do your own rate comparisons. Price quotes are quick and you will receive prices from some of the cheapest companies that offer coverage in Texas.

View Kia Optima Insurance Rates

The trim level of your vehicle will most likely have an effect on the coverage cost, so the price you will be charged to insure a Optima LX will be $144 less expensive the insurance cost for the high end Optima SX version, as shown below.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in specific location which can decrease or increase coverage prices considerably.

Choosing a good quality auto insurance company is difficult considering how many choices drivers have in Houston. The company information in the next section could help you choose which coverage providers you want to consider comparing rate quotes with. The ratings below are only made up of the companies with a significant amount of written premium nationwide, so companies without a large exposure are not taken into consideration for the list.

Top 10 Large Auto Insurance Companies in Houston Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top 10 Large Auto Insurance Companies in Houston Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Travelers – 88%
7. Progressive – 88%
8. Safeco Insurance – 88%
9. State Farm – 88%
10. Allstate – 88%

Discount Houston auto insurance rates

Insurance companies that provide coverage for a Kia Optima may have discounts that can reduce rates by as much as 30% if you can meet the requirements. Companies and some of their more popular discounts are outlined below.

• GEICO offers discounts including multi-policy, membership and employees, defensive driver, driver training, good student, and daytime running lights.
• USAA offers discounts for safe driver, loyalty savings, military installation, good student, defensive driver, and multi-vehicle.
• Progressive discounts include multi-vehicle, online signing, online quote discount, multi-policy, and continuous coverage.
• American Family includes discounts for TimeAway discount, defensive driver, good driver, mySafetyValet, and good student.
• Esurance has savings for anti-lock brakes, online shopper, emergency road assistance, renters, Pac-12 alumni, and multi-policy.
• Farmers Insurance may offer discounts for bundle discounts, business and professional, multi-car, distant student, electronic funds transfer, and alternative fuel.
• State Farm policyholders can earn discounts including Drive Safe & Save, passive restraint, safe vehicle, good driver, good student, defensive driving training, and student away at school.

The diagram below illustrates the difference between car insurance rates with and without discounts applied to the premium. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, marriage, multiple policy, defensive driving course, claim-free, and anti-theft discounts applied. With discounts applied, theamount saved on insurance for a Kia Optima is 28% or $698.

The diagram below demonstrates how deductibles can change insurance prices when quoting cheap insurance for a Kia Optima. The premiums assume a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

A 40-year-old driver could lower their car insurance rates by $372 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $560 by using a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could possibly save as much as $1,240 or even more by using a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be important to have plenty of savings on hand to be able to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Full coverage rates compared to liability only

Saving money when shopping for insurance is the goal of the majority of vehicle owners, and one of the quickest ways to find cheaper insurance for a Kia Optima is to not insure for full coverage. The information below compares annual premium costs with full coverage and liability only. The data is based on no tickets, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are factored in.

On average, comprehensive and collision coverage on your policy costs $2,159 per year more than insuring for liability only. A very common question is if physical damage coverage is worth the money. There is no set rule of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

There are some scenarios where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

If you would rather have some advice when shopping for the best coverage for a Kia Optima, the agents below are a good start to provide answers to your questions and help you determine which car insurance company is the best fit.

To locate a Houston insurance agent close to you, click the button after the list.

View map of Houston, TX insurance agents