Kia Optima Hybrid Insurance Rates

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

Average premium for full coverage: $1,284

Policy rates by type of insurance:

Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Optima Hybrid trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location and risk profile, instead of using average rates.

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

Rates by State, City, and Model

The chart below illustrates average Kia Optima Hybrid insurance rates for different risk profiles and scenarios.

• The best discount rate is $767
• Choosing higher $1,000 deductibles can save around $1,152 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,284
• Using low $100 deductibles for comp and collision coverage will cost an extra $252 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,766
• Policy cost for full coverage for a teen driver may cost $5,028 each year

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 policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Optima Hybrid insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $390 every year, while buying higher liability limits will cost you more. 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 at a minimum $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

How to Find the Best Kia Optima Hybrid Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a brief recap of the ideas that were covered in the charts and tables above.

• Teens pay higher rates, possibly costing $419 each month including comprehensive and collision insurance
• Higher risk drivers who tend to receive serious violations pay an average of $1,480 more each year for Optima Hybrid insurance
• Increasing comprehensive and collision deductibles can save around $375 each year
• It is possible to save as much as $150 per year just by quoting early and online