Kia Optima Hybrid Insurance Rates

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Cheap 2015 Kia Optima Hybrid Insurance Quotes in 2025

Trying to find better insurance coverage rates for your Kia Optima Hybrid? Being forced to pay for high-priced insurance coverage premiums can consume your bank account and force you to prioritize other expenses. With so many choices, it can be challenging to find the cheapest insurer. This article will help educate you on how car insurance quotes work and some tricks to saving. If you currently ...

Dani Best

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: May 13, 2024

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Estimated insurance prices for a Kia Optima Hybrid are $1,310 every 12 months including full coverage. Comprehensive insurance costs on average $242, collision costs $368, and liability coverage costs around $520. Liability-only insurance costs as low as $576 a year, with high-risk driver insurance costing $2,824 or more. Teen drivers pay the most at $5,108 a year or more.

Average premium for full coverage: $1,310

Premium estimates by type of coverage:

Comprehensive $242
Collision $368
Liability $520

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Optima Hybrid trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Kia Optima Hybrid go from the cheapest price of $576 for basic liability insurance to a much higher rate of $2,824 for a driver who has had serious violations or accidents.

Liability Only $576
Full Coverage $1,310
High Risk $2,824

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location impacts car insurance rates.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

These rate differences highlight why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than using price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below breaks down estimated Kia Optima Hybrid insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $779
  • Using higher $1,000 deductibles will save around $138 every year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,310
  • Choosing more expensive low deductibles for physical damage coverage costs an extra $268 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,824 or more
  • An auto insurance policy to insure a teenage driver with full coverage may cost $5,108 or more

View Chart as Image

Kia Optima Hybrid insurance cost comparison chart
Column chart showing full coverage Kia Optima Hybrid insurance prices range from $779 to $5,108

Insurance prices for a Kia Optima Hybrid also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Optima Hybrid.

Choosing high deductibles could cut prices by as much as $410 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,200 additional annually, depending on your age. High-risk driver insurance can be around 43% to 128% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Kia Optima Hybrid insurance rates. A driver around age 40 might see prices as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,870 on average in Michigan, New York, and Louisiana.

Kia Optima Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,182 -$128 -9.8%
Alaska $1,004 -$306 -23.4%
Arizona $1,088 -$222 -16.9%
Arkansas $1,310 -$0 0.0%
California $1,492 $182 13.9%
Colorado $1,248 -$62 -4.7%
Connecticut $1,344 $34 2.6%
Delaware $1,482 $172 13.1%
Florida $1,638 $328 25.0%
Georgia $1,210 -$100 -7.6%
Hawaii $940 -$370 -28.2%
Idaho $888 -$422 -32.2%
Illinois $974 -$336 -25.6%
Indiana $988 -$322 -24.6%
Iowa $884 -$426 -32.5%
Kansas $1,244 -$66 -5.0%
Kentucky $1,784 $474 36.2%
Louisiana $1,940 $630 48.1%
Maine $810 -$500 -38.2%
Maryland $1,080 -$230 -17.6%
Massachusetts $1,046 -$264 -20.2%
Michigan $2,272 $962 73.4%
Minnesota $1,096 -$214 -16.3%
Mississippi $1,570 $260 19.8%
Missouri $1,160 -$150 -11.5%
Montana $1,406 $96 7.3%
Nebraska $1,032 -$278 -21.2%
Nevada $1,572 $262 20.0%
New Hampshire $944 -$366 -27.9%
New Jersey $1,464 $154 11.8%
New Mexico $1,158 -$152 -11.6%
New York $1,380 $70 5.3%
North Carolina $756 -$554 -42.3%
North Dakota $1,074 -$236 -18.0%
Ohio $902 -$408 -31.1%
Oklahoma $1,344 $34 2.6%
Oregon $1,200 -$110 -8.4%
Pennsylvania $1,248 -$62 -4.7%
Rhode Island $1,748 $438 33.4%
South Carolina $1,186 -$124 -9.5%
South Dakota $1,104 -$206 -15.7%
Tennessee $1,144 -$166 -12.7%
Texas $1,578 $268 20.5%
Utah $966 -$344 -26.3%
Vermont $898 -$412 -31.5%
Virginia $782 -$528 -40.3%
Washington $1,010 -$300 -22.9%
West Virginia $1,200 -$110 -8.4%
Wisconsin $906 -$404 -30.8%
Wyoming $1,166 -$144 -11.0%

View Chart as Image

Kia Optima Hybrid insurance rates by U.S. city

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, and prices will be substantially different.

Kia Optima Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Optima Hybrid $292 $512 $500 $1,484
2019 Kia Optima Hybrid $282 $474 $510 $1,446
2018 Kia Optima Hybrid $270 $446 $514 $1,410
2017 Kia Optima Hybrid $258 $400 $520 $1,358
2016 Kia Optima Hybrid $242 $368 $520 $1,310
2015 Kia Optima Hybrid $234 $346 $524 $1,284

Rates are averaged for all Kia Optima Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Best Cheap Kia Optima Hybrid Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Spend time shopping around every other policy renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a quick review of the ideas that were touched on above.

  • Teens pay higher prices, with the cost nearing $426 per month if full coverage is included
  • Drivers with a DUI or reckless driving violation may pay on average $1,510 more each year for Optima Hybrid insurance
  • Increasing policy deductibles could save as much as $400 each year
  • You may be able to save as much as $150 per year simply by shopping early and online

Rates by Driver Age

Kia Optima Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $5,108
20 $3,000
30 $1,344
40 $1,310
50 $1,200
60 $1,174

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,578
$250 $1,454
$500 $1,310
$1,000 $1,172

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,310
50/100 $1,414
100/300 $1,544
250/500 $1,882
100 CSL $1,466
300 CSL $1,752
500 CSL $1,960

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $7,236
20 $4,782
30 $2,862
40 $2,824
50 $2,698
60 $2,672

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $178

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $70
Homeowner $22
5-yr Accident Free $86
5-yr Claim Free $83
Paid in Full/EFT $52
Advance Quote $60
Online Quote $90
Total Discounts $531
Rate after discounts $779

Discounts are estimated and may not be available from every company or in every state.

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