Kia Optima Hybrid Insurance Rates

The average insurance rates for a Kia Optima Hybrid are $1,284 a year for full coverage insurance. Comprehensive costs an estimated $234 each year, collision insurance costs $346, and liability is $524. Liability-only coverage costs around $580 a year, and high-risk coverage costs around $2,766. 16-year-old drivers cost the most to insure at up to $5,028 a year.

Average premium for full coverage: $1,284

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Optima Hybrid models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how location helps determine insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

The chart below illustrates average Kia Optima Hybrid insurance rates for other coverage scenarios.

• The best full coverage rate is $767
• Raising to $1,000 deductibles will save approximately $132 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,284
• Buying low deductibles will increase the cost to $1,536
• At-risk drivers with multiple tickets or accidents could pay up to $2,766
• Policy cost for full coverage for a teen driver can cost as much as $5,028

View Chart as Image

Insurance rates for a Kia Optima Hybrid also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $5,000 a year. View Rates by Age

Your home state also has a big influence on Kia Optima Hybrid insurance prices. A middle-age driver might find rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $390 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 130% more than the average rate. View High Risk Driver Rates

How to Find the Best Kia Optima Hybrid Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, having a good credit history, being claim-free, and possibly raising deductibles. Invest time comparing rates at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief recap of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers who tend to receive serious violations pay on average $1,480 more annually for auto insurance
• It is possible to save approximately $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $375 each year
• Policyholders who want higher levels of liability will pay around $580 annually to raise from a 30/60 limit to 250/500 limits