Kia Optima Hybrid Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 13, 2024

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Average auto insurance rates for a Kia Optima Hybrid are $1,310 annually for full coverage. Comprehensive costs on average $242 each year, collision costs $368, and liability is $520. A policy with just liability insurance costs around $576 a year, with coverage for high-risk drivers costing around $2,824. Teenage drivers receive the highest rates at $5,108 a year or more.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

Comprehensive $242
Collision $368
Liability $520

Price estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Optima Hybrid models.

Price Range by Coverage and Risk

For an average driver, prices range go from as cheap as $576 for a discount liability-only rate to a high rate of $2,824 for a high-risk insurance policy.

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

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

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

These examples show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of 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.

Rates by State, City, and Model

The chart below shows estimated 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 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,310
  • Using low deductibles will cost $1,578
  • At-risk drivers who are prone to accidents and violations could pay upwards of $2,824 or more
  • The cost with full coverage for a teen driver may cost $5,108

View Chart as Image

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

Insurance rates for a Kia Optima Hybrid can also vary considerably based on the trim level of your Optima Hybrid, your driver profile, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, 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 like to drive fast or you caused a few accidents, you could be paying at a minimum $1,500 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

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

Where you live also has a big influence on Kia Optima Hybrid insurance prices. A middle-age driver might find rates as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,870 on average in Michigan, Louisiana, and New York.

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

With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different between companies.

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 Buy Cheaper Kia Optima Hybrid Insurance

Saving money on car insurance consists of not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Take the time to compare rates at least every other year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following is a condensed summary of the car insurance concepts covered in the above illustrations.

  • Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,510 more each year for Optima Hybrid insurance
  • Drivers can save as much as $150 per year simply by quoting online in advance
  • Increasing deductibles could save up to $400 each year
  • Policyholders who require higher liability limits will pay an extra $570 each year to raise from a minimum limit to higher 250/500 limits

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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