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 for full coverage insurance. Comprehensive costs around $242, collision costs $368, and liability coverage is $520. Liability-only coverage costs around $576 a year, with high-risk coverage costing around $2,824. Teenage drivers pay the highest rates at $5,108 a year or more.
Average premium for full coverage: $1,310
Price estimates for individual coverage:
Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Optima Hybrid models.
Price Range from Low to High
For a 40-year-old driver, Kia Optima Hybrid insurance prices go from as low as $576 for basic liability insurance to the much higher price of $2,824 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.
The example below illustrates how your location can change auto insurance rates.
The ranges above illustrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than using average rates.
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 estimated Kia Optima Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $779
- Raising to $1,000 deductibles will save about $138 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,310
- Using pricier low deductibles will increase the cost to $1,578
- Unlucky drivers who are prone to accidents and violations could pay at least $2,824 or more
- The price for full coverage for a teenage driver for full coverage can be $5,108
Auto insurance prices for a Kia Optima Hybrid are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,100 a year. View Rates by Age
The state you live in also has a big influence on Kia Optima Hybrid insurance rates. A middle-age driver might find prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles can reduce prices by up to $410 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,500 to $2,200 in extra premium each year, depending on your age. Kia Optima Hybrid insurance for high-risk drivers is expensive and can cost around 43% to 128% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted 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 Low Cost Kia Optima Hybrid Insurance
Getting lower rates on auto insurance consists of avoiding accidents and violations, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around every other policy renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a review of the ideas that were illustrated above.
- Teenagers are expensive to insure, as much as $426 a month if they have full coverage
- Drivers who have several accidents or serious violations may pay on average $1,510 more every year for car insurance
- Increasing physical damage deductibles can save around $400 each year
- It is possible to save up to $150 per year simply by quoting online well ahead of the renewal date
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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