Who Has the Cheapest Car Insurance Rates for a Kia Optima in Mesa?

Finding cheaper coverage for a Kia Optima is dependent upon an enormous amount of factors such as how safe your vehicle is, the likelihood of vehicle theft, and if you have tickets or violations. Arizona drivers pay approximately $779 a year to insure their Optima, but that price is based upon a 50-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.

There’s a high likelihood you aren’t exactly 50 years old or even a female, maybe you are married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Even a minor change in the rating criteria used to formulate rates can make a big difference in how much insurance for a Kia Optima costs.

Every driver’s needs are different, and that is why the best method for finding cheap auto insurance rates for your Kia is to just compare rates yourself. Compare rate quotes now and you can get rates from some of the best companies that insure Kia vehicles in Arizona.

View Kia Optima Insurance Rates

Your vehicle’s trim level will influence price, so the cost to insure a Optima LX will be $76 less than the insurance cost for the high end Optima SX version, as shown by the rates below.

Kia Optima Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $162 $308 $382 $22 $114 $988 $82
Optima EX $182 $364 $382 $22 $114 $1,064 $89
Optima SX $182 $364 $382 $22 $114 $1,064 $89
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in zip code location which can impact premiums greatly.

Insurance companies ranked

Picking a good quality insurance provider is difficult considering how many different companies there are to choose from in Mesa. The rank data shown below can help you pick which auto insurance companies to look at shopping prices with.

The ratings below are for companies with a nationwide focus, so companies that may only write in Arizona will not be included in this list. If you’d like to compare prices from these and other companies in Arizona, click this link.

Top 10 Major Auto Insurance Providers Overall in Mesa

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

The information below shows how different deductible levels can raise or lower insurance costs when searching for cheap insurance for a Kia Optima. The prices are based on a single female driver, full coverage, and no additional discounts are factored in.

In the chart above, a 40-year-old driver could lower rates by $286 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $430 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 category, could save as much as $724 annually by choosing a higher deductible.

If you do raise deductibles, it’s a good idea to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense associated with higher deductibles.

Compare quotes and save

Arizona insurance rates are impacted by many things which can significantly increase or decrease your annual premium. Simply turning a year older, moving to a new city, or getting a ticket for careless driving can cause premium changes that can now make some companies affordable when they were higher priced. Not only may things change on your end, but companies file new Arizona auto insurance rates without warning to adjust for heavy claims or excess profits. Significantly higher losses may cause more expensive premiums, while better underwriting can produce cheaper Optima insurance rates.

For instance, the chart below analyzes the cheapest car insurance in Mesa, AZ for a 30-year-old female driver with a clear driving record, no claims, and solid credit. Based on her current risk factors, The Hartford might quote the best car insurance rates in Mesa at $1,126 per year. This is $302 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers round out the rest of the most affordable Mesa, AZ auto insurance companies.

In the next rate comparison, we’ll give the driver from the above example an accident surcharge, less-than-perfect credit, and a stop sign violation. Due to the fact that every auto insurer has a different process for filing rates in each state, analyzing rates may now present a new list of cheap Mesa auto insurance companies as shown below.

Progressive now has the cheapest auto insurance in Mesa, AZ with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual now being in the top five. This example proves why consumers need to take the time to do a thorough rate comparison when trying to get the most economical car insurance rates for a Kia Optima. Rates can be determined by many risk factors and can change substantially, so the most affordable company two years ago may now cost much more than other companies.