Kia Optima Hybrid Insurance Rates
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UPDATED: May 13, 2024
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The average auto insurance rates for a Kia Optima Hybrid are $1,310 annually including full coverage. Comprehensive costs approximately $242, collision insurance costs $368, and liability costs around $520. A liability-only policy costs as low as $576 a year, and high-risk insurance costs around $2,824. Teen drivers cost the most to insure at up to $5,108 a year.
Average premium for full coverage: $1,310
Policy rates by type of insurance:
Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Optima Hybrid models.
Price Range Variability
For an average driver, Kia Optima Hybrid insurance rates range from as cheap as $576 for just the minimum liability insurance to the much higher price of $2,824 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance prices.
The examples above highlight why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.
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.
Additional Rate Analysis
The chart below breaks down average Kia Optima Hybrid insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $779
- Using higher $1,000 deductibles will save $138 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,310
- Choosing pricier low deductibles for physical damage coverage will cost $1,578
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,824
- Policy cost with full coverage for a 16-year-old driver for full coverage can cost $5,108 or more
Car insurance rates for a Kia Optima Hybrid also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,200 extra every year, depending on your age. Kia Optima Hybrid insurance for high-risk drivers can be from 43% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $410 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Kia Optima Hybrid insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,870 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 the Right Kia Optima Hybrid Insurance
Finding cheaper rates on insurance for a Kia Optima Hybrid requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Take the time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following list is a quick rundown of the concepts that were covered in the above illustrations.
- Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,510 more per year than a safer driver
- Drivers age 16 to 20 pay the highest auto insurance rates, with premiums being up to $426 each month if comprehensive and collision insurance is included
- You may be able to save around $150 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $400 each year
- You may be able to save around $150 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,578 |
| $250 | $1,454 |
| $500 | $1,310 |
| $1,000 | $1,172 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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