Kia Optima Hybrid Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 13, 2024
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Estimated insurance prices for a Kia Optima Hybrid are $1,284 every 12 months including full coverage. Comprehensive costs an estimated $234, collision insurance costs $346, and liability coverage is $524. A liability-only policy costs around $580 a year, and high-risk insurance costs around $2,766. Teenage drivers pay the most at up to $5,028 a year.
Average premium for full coverage: $1,284
Premium estimates broken down by type of coverage:
Includes $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Optima Hybrid models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Kia Optima Hybrid range from the cheapest price of $580 for just liability coverage to the much higher price of $2,766 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects insurance prices.
These rate differences highlight why everyone should compare rates quotes for a targeted area and their own driving history, 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.
Detailed Rate Analysis
The chart below breaks down average Kia Optima Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $767
- Raising to $1,000 deductibles will save approximately $132 every year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,284
- Using pricier low deductibles increases the price to $1,536
- Unlucky drivers who are prone to accidents and violations could pay up to $2,766
- An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,028
Auto insurance prices for a Kia Optima Hybrid also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles can reduce prices by up to $390 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $471 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $5,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying $1,500 to $2,100 in extra premium annually, depending on your age. Kia Optima Hybrid insurance for high-risk drivers is expensive and can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Kia Optima Hybrid insurance rates. A middle-age driver might find prices as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,830 on average in Louisiana, 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% |
| 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 Shop for the Cheapest Kia Optima Hybrid Insurance
Finding better rates on auto insurance consists of being safe and accident-free, having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Take the time to comparison shop once a year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
Below you'll find a recap of the data that was touched on in the above illustrations.
- You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
- Consumers who want more liability protection will pay an extra $580 per year to raise from 30/60 bodily injury limits to a 250/500 level
- Youthful drivers are the costliest to insure, with the cost nearing $419 per month if comprehensive and collision insurance is included
- Drivers that have major violations or accidents may have to pay on average $1,480 more annually than a low-risk 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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