Kia Optima Hybrid Insurance Rates

Estimated auto insurance rates for a Kia Optima Hybrid are $1,310 annually with full coverage. Comprehensive costs on average $242 each year, collision insurance costs $368, and liability coverage is $520. Liability-only insurance costs around $576 a year, and high-risk driver insurance costs around $2,824. Teenage drivers pay the most at up to $5,108 a year.

Average premium for full coverage: $1,310

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and Optima Hybrid models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

These rate differences demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $779
• Raising to $1,000 deductibles will save around $138 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,310
• Using low deductibles will cost $1,578
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,824
• An auto insurance policy with full coverage for a teenage driver may cost $5,108

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Insurance prices for a Kia Optima Hybrid also have a wide range based on the model of your Optima Hybrid, your driving record, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage 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, where even without any violations or accidents they should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $410 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

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 $940 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,770 on average in Florida, Michigan, and New York.

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How to Buy Cheap Kia Optima Hybrid Insurance

Finding better rates on auto insurance consists of avoiding accidents and claims, having good credit, being claim-free, and dropping full coverage on older vehicles. Make time to compare rates at least once a year by quoting rates from direct companies, and also from local independent and exclusive agents.

The points below are a brief summary of the primary concepts that were touched on in this article.

• You may be able to save as much as $150 per year just by quoting online in advance
• Drivers that tend to have accidents or serious violations pay an average of $1,510 more each year to insure a Kia Optima Hybrid
• Increasing policy deductibles could save up to $400 each year
• Drivers under the age of 20 pay higher prices, possibly costing $426 per month if they have full coverage