Kia Optima Hybrid Insurance Rates
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UPDATED: May 13, 2024
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Estimated insurance rates for a Kia Optima Hybrid are $1,358 a year for full coverage insurance. Comprehensive costs on average $258, collision insurance costs $400, and liability is estimated at $520. Liability-only coverage costs approximately $576 a year, and high-risk coverage costs around $2,928. Teens pay the most at up to $5,260 a year.
Average premium for full coverage: $1,358
Premium estimates by type of coverage:
These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different Optima Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Kia Optima Hybrid range from as low as $576 for your basic liability-only policy to a much higher rate of $2,928 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.
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.
More Rate Information
The chart below illustrates average Kia Optima Hybrid insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $803
- Choosing higher $1,000 deductibles can save around $150 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,358
- Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,646
- Higher-risk drivers with serious driving violations could pay upwards of $2,928
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage may cost $5,260 each year
Insurance prices for a Kia Optima Hybrid also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $5,200 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Kia Optima Hybrid insurance prices. A good driver about age 40 could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,830 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,228 | -$130 | -9.6% |
| Alaska | $1,042 | -$316 | -23.3% |
| Arizona | $1,128 | -$230 | -16.9% |
| Arkansas | $1,358 | -$0 | 0.0% |
| California | $1,546 | $188 | 13.8% |
| Colorado | $1,294 | -$64 | -4.7% |
| Connecticut | $1,396 | $38 | 2.8% |
| Delaware | $1,538 | $180 | 13.3% |
| Florida | $1,700 | $342 | 25.2% |
| Georgia | $1,254 | -$104 | -7.7% |
| Hawaii | $976 | -$382 | -28.1% |
| Idaho | $922 | -$436 | -32.1% |
| Illinois | $1,010 | -$348 | -25.6% |
| Indiana | $1,026 | -$332 | -24.4% |
| Iowa | $916 | -$442 | -32.5% |
| Kansas | $1,290 | -$68 | -5.0% |
| Kentucky | $1,850 | $492 | 36.2% |
| Louisiana | $2,012 | $654 | 48.2% |
| Maine | $840 | -$518 | -38.1% |
| Maryland | $1,120 | -$238 | -17.5% |
| Massachusetts | $1,084 | -$274 | -20.2% |
| Michigan | $2,358 | $1,000 | 73.6% |
| Minnesota | $1,138 | -$220 | -16.2% |
| Mississippi | $1,628 | $270 | 19.9% |
| Missouri | $1,206 | -$152 | -11.2% |
| Montana | $1,458 | $100 | 7.4% |
| Nebraska | $1,072 | -$286 | -21.1% |
| Nevada | $1,630 | $272 | 20.0% |
| New Hampshire | $978 | -$380 | -28.0% |
| New Jersey | $1,518 | $160 | 11.8% |
| New Mexico | $1,202 | -$156 | -11.5% |
| New York | $1,432 | $74 | 5.4% |
| North Carolina | $782 | -$576 | -42.4% |
| North Dakota | $1,114 | -$244 | -18.0% |
| Ohio | $936 | -$422 | -31.1% |
| Oklahoma | $1,396 | $38 | 2.8% |
| Oregon | $1,244 | -$114 | -8.4% |
| Pennsylvania | $1,294 | -$64 | -4.7% |
| Rhode Island | $1,812 | $454 | 33.4% |
| South Carolina | $1,230 | -$128 | -9.4% |
| South Dakota | $1,146 | -$212 | -15.6% |
| Tennessee | $1,186 | -$172 | -12.7% |
| Texas | $1,636 | $278 | 20.5% |
| Utah | $1,004 | -$354 | -26.1% |
| Vermont | $930 | -$428 | -31.5% |
| Virginia | $814 | -$544 | -40.1% |
| Washington | $1,050 | -$308 | -22.7% |
| West Virginia | $1,246 | -$112 | -8.2% |
| Wisconsin | $940 | -$418 | -30.8% |
| Wyoming | $1,208 | -$150 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $440 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance ranges from 42% to 131% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Optima Hybrid | $310 | $530 | $486 | $1,506 |
| 2019 Kia Optima Hybrid | $292 | $512 | $500 | $1,484 |
| 2018 Kia Optima Hybrid | $282 | $474 | $510 | $1,446 |
| 2017 Kia Optima Hybrid | $270 | $446 | $514 | $1,410 |
| 2016 Kia Optima Hybrid | $258 | $400 | $520 | $1,358 |
| 2015 Kia Optima Hybrid | $242 | $368 | $520 | $1,310 |
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 Cheap Kia Optima Hybrid Insurance
Finding better rates on insurance for a Kia Optima Hybrid takes being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Set aside time to compare rates at least once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a brief summary of the primary concepts that were covered above.
- It is possible to save as much as $160 per year just by shopping early and online
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,570 more each year for auto insurance
- Increasing policy deductibles can save around $450 each year
- Teenage drivers pay the highest prices, with premiums being up to $438 per month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,260 |
| 20 | $3,112 |
| 30 | $1,398 |
| 40 | $1,358 |
| 50 | $1,244 |
| 60 | $1,218 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,514 |
| $500 | $1,358 |
| $1,000 | $1,208 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,358 |
| 50/100 | $1,462 |
| 100/300 | $1,592 |
| 250/500 | $1,930 |
| 100 CSL | $1,514 |
| 300 CSL | $1,800 |
| 500 CSL | $2,008 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,460 |
| 20 | $4,960 |
| 30 | $2,972 |
| 40 | $2,928 |
| 50 | $2,798 |
| 60 | $2,772 |
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 | $71 |
| Multi-vehicle | $72 |
| Homeowner | $22 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $55 |
| Advance Quote | $63 |
| Online Quote | $94 |
| Total Discounts | $555 |
Discounts are estimated and may not be available from every company or in every state.
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