Kia Optima Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: May 13, 2024
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The average insurance rates for a Kia Optima Hybrid are $1,284 a year for full coverage insurance. Comprehensive insurance costs an estimated $234, collision insurance costs $346, and liability insurance costs $524. Buying just liability costs as little as $580 a year, and insurance for high-risk drivers costs $2,766 or more. Teen 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 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Optima Hybrid trim levels.
Price Range Variability
Using a middle-aged driver as an example, Kia Optima Hybrid insurance rates range from as low as $580 for your basic liability-only policy to a much higher rate of $2,766 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how where you live affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than relying 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.
More Rate Information
The chart below illustrates average Kia Optima Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $767
- Drivers who choose higher $1,000 deductibles will pay approximately $132 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,284
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $252 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,766
- Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,028 a year
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.
An older driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,000 a year. View Rates by Age
Your home state makes a big difference in Kia Optima Hybrid insurance rates. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,158 | -$126 | -9.8% |
| Alaska | $982 | -$302 | -23.5% |
| Arizona | $1,066 | -$218 | -17.0% |
| Arkansas | $1,284 | -$0 | 0.0% |
| California | $1,462 | $178 | 13.9% |
| Colorado | $1,224 | -$60 | -4.7% |
| Connecticut | $1,318 | $34 | 2.6% |
| Delaware | $1,452 | $168 | 13.1% |
| Florida | $1,606 | $322 | 25.1% |
| Georgia | $1,184 | -$100 | -7.8% |
| Hawaii | $920 | -$364 | -28.3% |
| Idaho | $870 | -$414 | -32.2% |
| Illinois | $956 | -$328 | -25.5% |
| Indiana | $968 | -$316 | -24.6% |
| Iowa | $866 | -$418 | -32.6% |
| Kansas | $1,218 | -$66 | -5.1% |
| Kentucky | $1,750 | $466 | 36.3% |
| Louisiana | $1,900 | $616 | 48.0% |
| Maine | $794 | -$490 | -38.2% |
| Maryland | $1,056 | -$228 | -17.8% |
| Massachusetts | $1,024 | -$260 | -20.2% |
| Michigan | $2,228 | $944 | 73.5% |
| Minnesota | $1,076 | -$208 | -16.2% |
| Mississippi | $1,538 | $254 | 19.8% |
| Missouri | $1,138 | -$146 | -11.4% |
| Montana | $1,378 | $94 | 7.3% |
| Nebraska | $1,012 | -$272 | -21.2% |
| Nevada | $1,540 | $256 | 19.9% |
| New Hampshire | $924 | -$360 | -28.0% |
| New Jersey | $1,434 | $150 | 11.7% |
| New Mexico | $1,134 | -$150 | -11.7% |
| New York | $1,352 | $68 | 5.3% |
| North Carolina | $738 | -$546 | -42.5% |
| North Dakota | $1,050 | -$234 | -18.2% |
| Ohio | $886 | -$398 | -31.0% |
| Oklahoma | $1,316 | $32 | 2.5% |
| Oregon | $1,174 | -$110 | -8.6% |
| Pennsylvania | $1,222 | -$62 | -4.8% |
| Rhode Island | $1,712 | $428 | 33.3% |
| South Carolina | $1,164 | -$120 | -9.3% |
| South Dakota | $1,082 | -$202 | -15.7% |
| Tennessee | $1,122 | -$162 | -12.6% |
| Texas | $1,546 | $262 | 20.4% |
| Utah | $948 | -$336 | -26.2% |
| Vermont | $878 | -$406 | -31.6% |
| Virginia | $768 | -$516 | -40.2% |
| Washington | $990 | -$294 | -22.9% |
| West Virginia | $1,176 | -$108 | -8.4% |
| Wisconsin | $888 | -$396 | -30.8% |
| Wyoming | $1,144 | -$140 | -10.9% |
Choosing high deductibles could save up to $390 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $471 more per 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 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 130% more than average. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Optima Hybrid | $282 | $474 | $510 | $1,446 |
| 2019 Kia Optima Hybrid | $270 | $446 | $514 | $1,410 |
| 2018 Kia Optima Hybrid | $258 | $400 | $520 | $1,358 |
| 2017 Kia Optima Hybrid | $242 | $368 | $520 | $1,310 |
| 2016 Kia Optima Hybrid | $234 | $346 | $524 | $1,284 |
| 2015 Kia Optima Hybrid | $228 | $322 | $534 | $1,264 |
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 the Best Kia Optima Hybrid Insurance
Finding cheaper rates on Kia Optima Hybrid insurance not only requires being a good driver, but also maintaining good credit, being claim-free, and deciding if full coverage is necessary. Take the time to comparison shop once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a brief recap of the data that was touched on in the above illustrations.
- It is possible to save approximately $150 per year just by shopping early and online
- Drivers who want an increased level of liability coverage will pay about $580 annually to go from a 30/60 limit to 250/500 limits
- Drivers age 16 to 20 are charged the highest rates, possibly costing $419 each month for full coverage
- High-risk drivers who tend to receive serious violations pay on average $1,480 more annually than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,028 |
| 20 | $2,936 |
| 30 | $1,316 |
| 40 | $1,284 |
| 50 | $1,178 |
| 60 | $1,152 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,536 |
| $250 | $1,420 |
| $500 | $1,284 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,284 |
| 50/100 | $1,389 |
| 100/300 | $1,520 |
| 250/500 | $1,860 |
| 100 CSL | $1,441 |
| 300 CSL | $1,729 |
| 500 CSL | $1,939 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,118 |
| 20 | $4,680 |
| 30 | $2,798 |
| 40 | $2,766 |
| 50 | $2,638 |
| 60 | $2,614 |
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 | $66 |
| Multi-vehicle | $68 |
| Homeowner | $22 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $50 |
| Advance Quote | $59 |
| Online Quote | $88 |
| Total Discounts | $517 |
Discounts are estimated and may not be available from every company or in every state.
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