Kia Optima Hybrid Insurance Rates
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UPDATED: May 13, 2024
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U.S. average insurance rates for a Kia Optima Hybrid are $1,310 a year including full coverage. Comprehensive costs around $242 a year, collision costs $368, and liability is estimated at $520. Buying just liability costs approximately $576 a year, with insurance for high-risk drivers costing around $2,824. Teen drivers pay the highest rates at $5,108 a year or more.
Average premium for full coverage: $1,310
Price estimates for individual coverage:
Full coverage includes $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Optima Hybrid trim levels.
Price Range from Low to High
For the average 40-year-old driver, Kia Optima Hybrid insurance prices go from as low as $576 for just the minimum liability insurance to a high of $2,824 for high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas.
The diagram below illustrates the difference location can make on auto insurance rates.
The ranges above highlight why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based on 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.
Additional Rate Analysis
The chart below breaks down estimated Kia Optima Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $779
- Choosing higher $1,000 deductibles can save about $1,172 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,310
- Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,578
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,824 or more
- The price for full coverage for a 16-year-old driver can be $5,108 each year
Insurance prices for a Kia Optima Hybrid are also quite variable based on your driving record, the model of your Optima Hybrid, and deductibles and policy limits.
Older drivers with no violations or accidents and high deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $5,100 a year. View Rates by Age
The state you live in plays a big part in determining prices for Kia Optima Hybrid insurance prices. A good driver about age 40 could pay 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.
| 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% |
Choosing high deductibles can save as much as $410 annually, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,500 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 128% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and prices may be quite different from one company to the next.
| 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 Find More Affordable Kia Optima Hybrid Insurance
Getting lower rates on insurance for a Kia Optima Hybrid takes having a good driving record, having a good credit history, being claim-free, and taking advantage of discounts. Make time to compare rates every couple of years by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a summary of the material that was touched on in this article.
- Insureds who may need increased levels of liability coverage will pay about $570 per year to raise limits from a low limit to 250/500 limits
- Drivers age 20 and younger are charged the highest prices, possibly costing $426 a month including comprehensive and collision insurance
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,510 more every year to buy Kia Optima Hybrid insurance
- Increasing physical damage deductibles can save around $400 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,578 |
| $250 | $1,454 |
| $500 | $1,310 |
| $1,000 | $1,172 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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