Discount Kia Optima insuranceNo one in their right mind looks forward to buying auto insurance, especially when they know they could get a better deal.

Amazingly, a recent NerdWallet.com study showed that over 70% of consumers kept their policy with the same company for at least four years, and 38% of drivers have never quoted auto insurance rates at all. With the average auto insurance premium being $2,020, North Dakota drivers could pocket almost $700 a year, but most tend to underestimate the large savings they would see if they bought a different policy.

Since you have so many insurance companies to choose from that have affordable insurance for a Kia Optima in Fargo, it can be challenging to find the cheapest insurer.

Companies offering cheap Kia Optima prices in Fargo, ND

The following companies are our best choices to provide price comparisons in Fargo, ND. If multiple companies are listed, we recommend you visit as many as you can to get the best price comparison.

Kia Optima Insurance Costs in Fargo, ND
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $164 $248 $448 $26 $134 $1,020 $85
Optima EX $252 $572 $386 $22 $116 $1,348 $112
Optima SX $228 $456 $386 $22 $116 $1,208 $101
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Dakota minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in vehicle location which can affect coverage rates noticeably.

Violations and accidents raise rates

The chart below demonstrates how traffic citations and fender-benders drive up Kia Optima yearly insurance costs for different age groups. The costs are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Higher deductibles lower rates

One frequently asked question is which deductible level should you buy. The rates below sum up the rate fluctuation when you buy lower versus higher deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Kia Optima insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $234 $394 $342 $20 $102 $1,117 $93
Optima EX $264 $464 $342 $20 $102 $1,217 $101
Optima SX $264 $464 $342 $20 $102 $1,217 $101
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Kia Optima insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $190 $318 $342 $20 $102 $972 $81
Optima EX $214 $374 $342 $20 $102 $1,052 $88
Optima SX $214 $374 $342 $20 $102 $1,052 $88
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Dakota minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in specific garaging location which can affect insurance rates substantially.

We can derive from the above data that using a $250 deductible will cost you about $12 more each month or $144 every year than selecting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go more than 21 months between claims, you would more than likely save some money if you choose the higher deductible.

Lower rates by qualifying for discounts

Companies offering auto insurance don't list every policy discount very well, so we took the time to find a few of the more common and also the lesser-known credits available to lower your premiums when you buy Fargo auto insurance online.Save money with discounts

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, it doesn't quite work that way.

A list of car insurance companies and their offered discounts are included below.

When quoting, ask each company or agent which discounts they offer. Depending on the company, some discounts may not apply to policyholders everywhere. To see a list of insurers with the best discounts in Fargo, click here to view.

Insurance Rate Influencing Factors

An important part of buying insurance is that you know the rating factors that play a part in calculating your policy premiums. When you know what positively or negatively influences your rates, this enables informed choices that can earn you lower auto insurance prices. Lots of things are part of the equation when you get your auto insurance bill. Some are pretty understandable such as your driving record, although some other factors are more obscure such as your credit history or your commute time.

The list below includes some of the major factors companies use to determine your rate level.

It's not one size fits all

When selecting insurance from an agent or online for your vehicles, there is no perfect coverage plan. Everyone's situation is unique so your insurance needs to address that.Drive safe and save These are some specific questions could help you determine whether you could use an agent's help.

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don't have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Comparing rates from local Fargo car insurance agents

Some people still like to sit down and talk to an agent. One of the benefits of price shopping on the web is that you can obtain cheap rate quotes and also buy local.

To make it easy to find an agent, after completing this quick form, your insurance coverage information is submitted to local insurance agents in Fargo who will gladly provide quotes for your insurance coverage. There is no reason to leave your computer as quotes are delivered to you. You'll get the best rates without a big time investment. If for some reason you want to get a rate quote for a specific company, just visit that company's website to submit a rate quote request.

Deciding on an insurance company needs to be determined by more than just the price. These are valid questions to ask:

Listed below is a list of insurance companies in Fargo willing to provide rate quotes for Kia Optima insurance in Fargo.


1730 30th Ave S, Moorhead, MN 56560 - Moorhead, ND 56560 - (218) 233-1411 - View Map

Ally Insurance Agency
1701 1st Ave N - Fargo, ND 58102 - (701) 478-2041 - View Map


3535 Main Ave A - Fargo, ND 58103 - (701) 232-2222 - View Map


1330 23rd St S - Fargo, ND 58103 - (701) 238-7309 - View Map

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One last thing about your coverage

When searching for affordable Fargo auto insurance quotes, it's a bad idea to buy poor coverage just to save money. There have been many cases where someone dropped full coverage and discovered at claim time they didn't purchase enough coverage. Your aim should be to find the BEST coverage at the best possible price and still be able to protect your assets.

We just showed you a lot of ways to save on Kia Optima insurance in Fargo. The key concept to understand is the more providers you compare, the better your comparison will be. Drivers may even discover the lowest priced insurance comes from the smaller companies. They may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Lower-priced Kia Optima insurance in Fargo is available online and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer the ability to get a quote online and most of the time these regional insurance providers only sell coverage through independent agencies.

More detailed insurance information can be read by following these links: