Finding economical car insurance for a Kia Optima in Nebraska hinges on an enormous amount of factors such as your birth date, the performance level of your vehicle, and any driving offenses on your record. Drivers in Nebraska will pay on average $1,000 annually to insure their Optima, but that price is a valuation based on a 40-year-old single female driver with full physical damage coverage and $250 deductibles.
When making auto insurance estimates, the issue arises that you’re not a 40-year-old female, you might be married instead of single, or maybe you’re a renter instead of a homeowner. This shows why the only way to find the most affordable coverage for your Kia is to do the rate comparisons yourself. To start saving now, get free quotes and you will receive rate quotes from some of the best insurers that insure vehicles in Nebraska.
Your Kia’s trim level tends to have a direct effect on the insurance rate, so the price you will be charged to insure a Optima LX trim level will be $106 less than the insurance cost for the more expensive Optima SX model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Optima LX | $222 | $442 | $440 | $26 | $132 | $1,262 | $105 |
| Optima EX | $250 | $520 | $440 | $26 | $132 | $1,368 | $114 |
| Optima SX | $250 | $520 | $440 | $26 | $132 | $1,368 | $114 |
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle location which can impact insurance rates significantly.
Buying coverage from the highest-rated company can be difficult considering how many companies are available to choose from in Nebraska. The ranking information below may help you select which providers you want to consider purchasing from.
These ratings are for the largest companies in the United States, so companies that have a smaller presence will not be included in this list. If you’d like to compare prices from these and other top-rated companies, just click here.
Top 10 Large Auto Insurance Companies Overall in Omaha
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Get discounts on Omaha insurance rates
Insurance providers that provide coverage for a Kia Optima may also offer premium discounts that can lower rates by as much as 35% if you are eligible. Larger auto insurance companies and the discounts they provide are outlined below.
- GEICO has savings for multi-vehicle, anti-lock brakes, emergency military deployment, seat belt use, good student, five-year accident-free, and driver training.
- MetLife offers discounts for good driver, accident-free, good student, defensive driver, multi-policy, claim-free
- State Farm has discounts for student away at school, Steer Clear safe driver discount, good student, accident-free, defensive driving training, and anti-theft.
- Progressive may include discounts for multi-policy, good student, multi-vehicle, online signing, homeowner, and online quote discount.
- Mercury Insurance discounts include annual mileage, low natural disaster claims, good student, multi-car, and age of vehicle.
- 21st Century includes discounts for defensive driver, homeowners, 55 and older, good student, air bags, and teen driver.
- Allstate may have discounts that include EZ pay plan discount, farm vehicle, anti-lock brakes, new car, and eSmart discount.
The example below shows the comparison of insurance premiums with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no accidents, no driving violations, Nebraska state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, accident-free, passive restraint, anti-theft, multiple vehicle, and safe-driver discounts applied. With discounts applied, the average amount saved each year on auto insurance for a Kia Optima is 28% or $455.
Why are you paying too much for Optima insurance?
Omaha auto insurance rates are influenced by many factors that will increase or decrease the price you have to pay for coverage. Simply getting older, moving to a different location, or getting a ticket for careless driving may prompt premium changes resulting in some rates now being cheaper than competitors. Also, auto insurance companies amend premium rates as needed to reflect underwriting profits or losses. An extended period of higher than normal claims can cause higher prices, while lower claim expenses may cause cheaper Optima insurance rates.
To help illustrate this point, the data below shows the companies that have the cheapest car insurance in Omaha, NE for a 35-year-old male driver with a good driving record, no prior claims, and solid credit. If we estimate prices based on his current risk profile, Safeco may offer the most affordable car insurance rates in Omaha at $896 a year. This is $420 less than the average price paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are also on the list of the top five cheapest Omaha, NE auto insurance companies.
The next chart shows rates after we give the driver from the first example a claim surcharge, a lower credit rating, and a few traffic violations. Due to the fact that every insurance company has their own unique process to set premium rates, comparing prices could result in a completely different list of affordable Omaha car insurance companies as shown below.
Nationwide now has the best car insurance rate in Omaha, NE with State Farm, General Casualty, American National, and The Hartford also having competitive pricing. This demonstrates why Nebraska drivers need to perform an extensive rate comparison to find affordable insurance quotes for a Kia Optima.
Prices consist of many different factors and change dramatically, so the cheapest company a year ago may now be one of the more expensive options.