Finding economical car insurance for a Kia Optima in Massachusetts depends on a complicated rating formula that uses factors such as your marital status, where you live, and any prior driving offenses. Drivers in Massachusetts pay approximately $1,033 each year for Optima insurance, but that is an estimation calculated using a 40-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
It’s more than likely you may not be 40 years old (or even female), single instead of married, or you just want cheap liability insurance instead of full coverage. There is no perfect policy for every driver, so the best way to find the cheapest rates for your Kia is to just compare rates yourself. It’s really quite easy you will receive price comparisons from some of the most affordable companies that sell coverage in Massachusetts.
The trim level of your vehicle has an effect on the cost of coverage, so the price to insure a Optima LX model will be $122 less than the price to insure the higher-end Optima SX trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in zip code location which can influence price quotes greatly.
Selecting the right car insurance provider can be challenging considering how many companies provide coverage in Boston. The rank data in the next section can help you decide which auto insurance companies you want to consider when trying to find the cheapest insurance for a Kia Optima.
The ratings below are for large insurance companies, so companies without a large exposure will not be included in these rankings. To compare price quotes and find the cheapest rates for a Kia Optima, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Impact of citations and accidents on Boston insurance rates
The common sense way to obtain low car insurance rates in Boston for an Optima is to be a cautious driver and not get tickets or have accidents. The information below demonstrates how traffic citations and at-fault fender-benders drive up auto insurance rates for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
In the previous example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,641. Add in one speeding ticket and the average cost swells to $1,912, an increase of $272 each year. Next add one accident along with the one speeding ticket and the 12-month cost of car insurance for a Kia Optima increases to an average of $2,675. That’s an increase of $1,034, or $86 per month, just for not driving responsibly!
Get discount Boston auto insurance
Car insurance companies that provide policies for a Kia Optima may have price discounts that could reduce prices by as much as 35% or more if you can meet the requirements. A list of car insurance companies and their possible discounts can be read below.
- Farmers Insurance may include discounts for multi-car, switch companies, mature driver, youthful driver, and homeowner.
- State Farm offers discounts including good driver, driver’s education, multiple autos, accident-free, safe vehicle, Steer Clear safe driver discount, and passive restraint.
- Liberty Mutual policyholders can earn discounts including teen driver discount, new vehicle discount, exclusive group savings, newly retired, good student, safety features, and multi-car.
- MetLife has savings for defensive driver, claim-free, multi-policy, good student, good driver, and accident-free.
- Progressive has discounts for good student, multi-vehicle, homeowner, online signing, online quote discount, and continuous coverage.
The chart below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no claims or driving violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple vehicle, passive restraint, anti-theft, marriage, homeowner, and multiple policy discounts applied. When these discounts are applied, the average amount saved each year on car insurance for a Kia Optima is 28% or $554.
How to find the cheapest car insurance for a Kia Optima
Below you’ll find many thrifty ideas that can help drivers quote cheaper coverage.
- On older vehicles, drop full coverage
- Maintaining good credit helps earn cheaper rates
- Avoid accidents and claims
- Buy a vehicle with excellent safety ratings
- Buying home and auto together can help save money
- Compare rate quotes frequently
That last piece of advice is highly critical, as was emphasized in this piece. Auto insurance prices in Boston adjust often, so you should be ready to buy a policy from a new company if you can save money. Being loyal to a particular company is commendable, but it’s not a great idea if that dedication is costing money that could be used for better things. Take a few minutes and shop around and find cheaper car insurance for a Kia Optima.
The Boston auto insurance agencies shown below can most likely provide answers to your questions and help you determine which car insurance company is the best fit, as some drivers wish to get help from a professional when shopping around for cheaper insurance for a Kia Optima. It can be challenging to find the cheapest car insurance policy, and a licensed agent can add peace of mind knowing you have enough coverage if you have a claim.
To locate a Boston auto insurance agent closest to you, click the button at the bottom of the list or click here to get price quotes now.
Security Insurance Agency, Inc
313 Washington St – Brookline, MA 02445 – (617) 739-2886
114 Harvard St – Brookline, MA 02446 – (617) 738-5400
Metro Boston Insurance Agency
78 Bennington St – Boston, MA 02128 – (617) 561-3191
Richard Soohoo Insurance
1148 Washington St – Boston, MA 02118 – (617) 338-8168
Sbhu Life Insurance Agency: Weinstein Keith
28 State St # 25 – Boston, MA 02109 – (617) 570-9519