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

Licensed Insurance Producer

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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U.S. average insurance rates for a Kia Optima Hybrid are $1,310 a year for full coverage insurance. Comprehensive costs around $242, collision insurance costs $368, and liability costs around $520. A policy with just liability insurance costs as low as $576 a year, and coverage for high-risk drivers costs around $2,824. Teen drivers pay the highest rates at up to $5,108 a year.

Average premium for full coverage: $1,310

Price estimates for individual coverage:

Comprehensive $242
Collision $368
Liability $520

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Optima Hybrid trim levels.

Price Range from Low to High

For a driver around age 40, Kia Optima Hybrid insurance prices range from the low end price of $576 for basic liability insurance to a much higher rate of $2,824 for high-risk insurance.

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

Geographic Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

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

The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code, 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.

Rate Comparisons

The chart below illustrates average Kia Optima Hybrid insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $779
  • Using higher $1,000 deductibles will save about $138 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,310
  • Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,578
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,824
  • The price that insures a 16-year-old driver with full coverage can be $5,108 or more

View Chart as Image

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

Insurance prices for a Kia Optima Hybrid are also quite variable based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance can be from 43% to 128% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,100 a year. View Rates by Age

The state you live in has a huge impact on Kia Optima Hybrid insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,770 on average in Michigan, New York, and Florida.

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

Choosing high deductibles could cut prices by as much as $410 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

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 Find Cheap Kia Optima Hybrid Insurance

Getting lower rates on insurance for a Kia Optima Hybrid requires having a decent driving record, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Shop around every couple of years by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief summary of the material that was covered above.

  • Insureds who may need additional liability coverage will pay about $570 annually to increase from a low limit to the 250/500 level
  • 16 to 18-year-old drivers pay higher prices, as much as $426 a month if full coverage is included
  • Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,510 more every year than a driver with a clean driving record
  • Increasing physical damage deductibles can save approximately $400 each year

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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