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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Estimated insurance prices for a Kia Optima Hybrid are $1,358 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $258, collision costs $400, and liability is $520. A liability-only policy costs around $576 a year, with high-risk insurance costing $2,928 or more. Teenage drivers pay the most at $5,260 a year or more.

Average premium for full coverage: $1,358

Premium estimates broken down by type of coverage:

Comprehensive $258
Collision $400
Liability $520

These estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all Optima Hybrid models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Kia Optima Hybrid go from the cheapest price of $576 for your basic liability-only policy to the much higher price of $2,928 for a high-risk driver policy.

Liability Only $576
Full Coverage $1,358
High Risk $2,928

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,019
Small Cities $1,426
Large Cities $1,833

These rate differences illustrate why everyone should compare rates quotes for a targeted area and their own driving history, 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.

More Rate Information

The chart below illustrates estimated Kia Optima Hybrid insurance rates for other coverage scenarios.

  • The best discount rate is $803
  • Raising to $1,000 deductibles will save approximately $150 each year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,358
  • Using pricier low deductibles costs an extra $288 every year
  • At-risk drivers who are prone to accidents and violations could pay up to $2,928 or more
  • An auto insurance policy to insure a teen driver for full coverage can cost as much as $5,260

View Chart as Image

Kia Optima Hybrid insurance cost comparison chart
Column chart showing full coverage Kia Optima Hybrid insurance prices range from $803 to $5,260

Auto insurance prices for a Kia Optima Hybrid also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $440 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,600 to $2,200 in extra premium annually, depending on your age. Kia Optima Hybrid insurance for high-risk drivers is expensive and can cost as much as 42% to 131% 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 prices. A middle-age driver might find prices as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,830 on average in Florida, New York, and Michigan.

Kia Optima Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,228 -$130 -9.6%
Alaska $1,042 -$316 -23.3%
Arizona $1,128 -$230 -16.9%
Arkansas $1,358 -$0 0.0%
California $1,546 $188 13.8%
Colorado $1,294 -$64 -4.7%
Connecticut $1,396 $38 2.8%
Delaware $1,538 $180 13.3%
Florida $1,700 $342 25.2%
Georgia $1,254 -$104 -7.7%
Hawaii $976 -$382 -28.1%
Idaho $922 -$436 -32.1%
Illinois $1,010 -$348 -25.6%
Indiana $1,026 -$332 -24.4%
Iowa $916 -$442 -32.5%
Kansas $1,290 -$68 -5.0%
Kentucky $1,850 $492 36.2%
Louisiana $2,012 $654 48.2%
Maine $840 -$518 -38.1%
Maryland $1,120 -$238 -17.5%
Massachusetts $1,084 -$274 -20.2%
Michigan $2,358 $1,000 73.6%
Minnesota $1,138 -$220 -16.2%
Mississippi $1,628 $270 19.9%
Missouri $1,206 -$152 -11.2%
Montana $1,458 $100 7.4%
Nebraska $1,072 -$286 -21.1%
Nevada $1,630 $272 20.0%
New Hampshire $978 -$380 -28.0%
New Jersey $1,518 $160 11.8%
New Mexico $1,202 -$156 -11.5%
New York $1,432 $74 5.4%
North Carolina $782 -$576 -42.4%
North Dakota $1,114 -$244 -18.0%
Ohio $936 -$422 -31.1%
Oklahoma $1,396 $38 2.8%
Oregon $1,244 -$114 -8.4%
Pennsylvania $1,294 -$64 -4.7%
Rhode Island $1,812 $454 33.4%
South Carolina $1,230 -$128 -9.4%
South Dakota $1,146 -$212 -15.6%
Tennessee $1,186 -$172 -12.7%
Texas $1,636 $278 20.5%
Utah $1,004 -$354 -26.1%
Vermont $930 -$428 -31.5%
Virginia $814 -$544 -40.1%
Washington $1,050 -$308 -22.7%
West Virginia $1,246 -$112 -8.2%
Wisconsin $940 -$418 -30.8%
Wyoming $1,208 -$150 -11.0%

View Chart as Image

Kia Optima Hybrid insurance rates by U.S. city

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

Kia Optima Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Optima Hybrid $310 $530 $486 $1,506
2019 Kia Optima Hybrid $292 $512 $500 $1,484
2018 Kia Optima Hybrid $282 $474 $510 $1,446
2017 Kia Optima Hybrid $270 $446 $514 $1,410
2016 Kia Optima Hybrid $258 $400 $520 $1,358
2015 Kia Optima Hybrid $242 $368 $520 $1,310

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 Cheap Kia Optima Hybrid Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a brief summary of the information covered in the above illustrations.

  • It is possible to save approximately $160 per year simply by quoting online well ahead of the renewal date
  • Teens are the costliest to insure, with premiums being up to $438 per month if comprehensive and collision insurance is included
  • Increasing policy deductibles could save as much as $450 each year
  • Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,570 more annually for Optima Hybrid insurance
  • Policyholders who want higher liability limits will pay an extra $570 annually to raise from 30/60 bodily injury limits to a 250/500 level

Rates by Driver Age

Kia Optima Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $5,260
20 $3,112
30 $1,398
40 $1,358
50 $1,244
60 $1,218

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,514
$500 $1,358
$1,000 $1,208

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,358
50/100 $1,462
100/300 $1,592
250/500 $1,930
100 CSL $1,514
300 CSL $1,800
500 CSL $2,008

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $7,460
20 $4,960
30 $2,972
40 $2,928
50 $2,798
60 $2,772

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 $185

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $22
5-yr Accident Free $91
5-yr Claim Free $87
Paid in Full/EFT $55
Advance Quote $63
Online Quote $94
Total Discounts $555
Rate after discounts $803

Discounts are estimated and may not be available from every company or in every state.

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