Who Has the Cheapest Fort Worth Auto Insurance for a Kia Optima?

Finding cheap car insurance for a Kia Optima in Texas doesn’t take too much effort, but it depends on a complex formula that considers things such as how you use your vehicle, your credit history, and any prior driving citations you have received. Drivers will pay around $849 per year for Optima insurance, but that figure is based upon a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.

The problem with using this number is the good chance you aren’t exactly 30 years old or even a male, possibly single instead of married, or maybe you prefer higher deductibles. Even a minor difference in rating criteria may result in a big change in the price of coverage.

There is no perfect policy for every driver, so the best method for finding the most affordable coverage for your Kia is to compare rates from as many companies as possible.

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The specific model of Optima impacts the annual cost of coverage, so the cost to insure a Optima LX trim level will be $80 less than the price to insure the higher-priced Optima SX model, as demonstrated by the prices below.

Kia Optima Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $182 $312 $430 $26 $128 $1,078 $90
Optima EX $206 $368 $430 $26 $128 $1,158 $97
Optima SX $206 $368 $430 $26 $128 $1,158 $97
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Information does not factor in garaging location in Fort Worth which can influence insurance rates greatly.

Trying to buy cheap auto insurance is challenging, and deciding which company offers the cheapest insurance rates for a Kia Optima will require a bit more work.

Every insurance company uses their own calculation for setting prices, so to begin we’ll rank the most budget-friendly insurance companies in Fort Worth, TX.

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Rankings for the cheapest car insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,117
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,244
5 Esurance $1,379
6 California Casualty $1,424
7 Mercury $1,476
8 State Farm $1,510
9 Nationwide $1,600
10 Safe Auto $1,613
11 Progressive $1,698
12 Amica $1,705
13 Allstate $1,718
14 GEICO $2,135
15 Home State $2,155
16 MetLife $2,227
17 Encompass $2,232
18 Unitrin $2,264
19 21st Century $2,469
20 Titan $2,594
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Travelers may have some of the most affordable car insurance rates in Fort Worth at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the more affordable Fort Worth, TX insurance companies.

In the above example, if you have coverage with Texas Farm Bureau and switched to Travelers, you might achieve yearly savings of roughly $225. Texas drivers with Germania Mutual could save as much as $234 a year, and Esurance insureds might realize rate reductions of up to $369 a year.

To see if your current coverage is too expensive, click here to start your custom quote or quote rates from the companies below.

Understand that those prices are averages across all types of drivers and the different vehicles they drive and do not factor in an exact zip code location for a Kia Optima. So the auto insurance company that fits your needs best may not even be in the top 23 companies shown above. That point stresses why you need to compare as many prices as possible using your own driver data and vehicle information.

Bad driving habits will cost you more

The common sense way to receive cheap insurance prices in Texas for an Optima is to drive attentively and avoid accidents and violations. The chart below shows how traffic citations and fender-benders can affect premium costs for each different age category. The data is based on a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

In the example above, the average cost of a car insurance policy in Fort Worth per year with no violations or accidents is $2,314. Receive two speeding tickets and the average cost increases to $3,098, an increase of $784 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of insurance for a Kia Optima goes up to an average of $3,893. That’s an increase of $1,579, or $132 per month, just for being a little careless behind the wheel!

Why you should be shopping around

Texas insurance rates are influenced by many factors that control the price you pay. Improving your credit score, buying higher coverage limits, or getting caught speeding may prompt premium changes resulting in some rates now being cheaper than competitors.

Not only may things change on your end, but insurance companies change premium rates every year or even multiple times each year in order to be able to pay unexpected claims. A period of increased losses can cause higher rates, while lower claims can cause cheaper Optima insurance rates.

To illustrate this example, the chart below shows the companies that have the cheapest car insurance in Fort Worth, TX for a 40-year-old female driver with no prior accidents, a clean driving record, and excellent credit. If we look at prices based on her personal risk profile, Travelers quotes the cheapest car insurance rates in Fort Worth at $1,168 each year. This is $736 less than the average policy premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance are the remaining best Fort Worth, TX auto insurance companies.

In the next rate comparison, we’ll give the driver from the first rate comparison a claim or two, a lower credit rating, and a stop sign violation. Since every insurance provider has a different process to set their prices, analyzing rate quotes may result in a completely different list of companies as shown below.

Mercury now has the lowest price in Fort Worth with State Farm, USAA, Nationwide, and Safe Auto now being in the top five. This shows why it is critical to take the time to shop around to find cheap insurance rates for a Kia Optima.

Rates are determined by many things and change substantially, so the most affordable company six months ago may now not even be in the top five.

If you aren’t clear which coverage you need and would like to get some professional input when comparing insurance rates for a Kia Optima, the insurance agencies below are a good start to help you determine which policy fits your needs best. To locate a Fort Worth insurance agent closest to you, click the button link following the list or click here to compare rates now.

Tom Price – State Farm Insurance Agent
6015 Harris Pkwy #100Fort Worth, TX 76132(817) 731-8855

Calvin Harris – State Farm Insurance Agent
1100 Bridgewood Dr #100Fort Worth, TX 76112(817) 451-2511

Marianne Leal – State Farm Insurance Agent
1205 N Main StFort Worth, TX 76164(817) 740-1508

View map of Fort Worth, TX insurance agents