Kia Optima Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: May 13, 2024
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Average auto insurance rates for a Kia Optima Hybrid are $1,284 annually for full coverage. Comprehensive insurance costs around $234, collision costs $346, and liability insurance is estimated at $524. Buying just liability costs approximately $580 a year, with insurance for high-risk drivers costing $2,766 or more. Teenage drivers receive the highest rates at $5,028 a year or more.
Average premium for full coverage: $1,284
Rate estimates for individual coverage type:
Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all Optima Hybrid models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $580 for just liability insurance to the much higher price of $2,766 for high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities.
The example below illustrates the difference location can make on auto insurance rates.
These examples show why everyone should get quotes for a specific zip code and their own personal driving habits, rather than relying on 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.
More Rate Details
The chart below shows estimated Kia Optima Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $767
- Choosing higher $1,000 deductibles can save about $132 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,284
- Using pricier low deductibles for comp and collision coverage costs an additional $252 a year
- High-risk insureds who are prone to accidents and violations could pay at least $2,766 or more
- The cost with full coverage for a teen driver for full coverage can be $5,028 each year
Auto insurance rates for a Kia Optima Hybrid can also vary considerably based on the trim level of your Optima Hybrid, your driver profile, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,500 to $2,100 in extra premium per year, depending on your age. Kia Optima Hybrid insurance for high-risk drivers ranges anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $390 each year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $471 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Kia Optima Hybrid insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,830 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know your exact price is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different between companies.
| 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 Buy Affordable Kia Optima Hybrid Insurance
Saving money on Kia Optima Hybrid insurance takes being a low-risk driver, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Make time to compare rates every couple of years by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a brief review of the material that was touched on in this article.
- Drivers who may need more liability coverage will pay an extra $580 each year to raise limits from a minimum limit to higher 250/500 limits
- Teen drivers are expensive to insure, costing as high as $419 per month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions pay an average of $1,480 more every year to insure their Optima Hybrid
- Increasing deductibles could save up to $375 each year
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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