Kia Optima Hybrid Insurance Rates

Average insurance prices for a Kia Optima Hybrid are $1,358 every 12 months including full coverage. Comprehensive costs around $258 a year, collision insurance costs $400, and liability is $520. A liability-only policy costs around $576 a year, and high-risk insurance costs around $2,928. Teen drivers receive the highest rates at up to $5,260 a year.

Average premium for full coverage: $1,358

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Optima Hybrid trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples highlight why it is important to compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below breaks down average Kia Optima Hybrid insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $803
• Raising to $1,000 deductibles will save about $1,208 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,358
• Choosing low $100 deductibles increases the price to $1,646
• Drivers with multiple violations and an at-fault accident could pay at least $2,928
• The cost to insure a 16-year-old driver can be $5,260

View Chart as Image

Insurance rates for a Kia Optima Hybrid can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles can reduce rates by up to $440 annually, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 131% more than average. View High Risk Driver Rates

Where you live also has a big influence on Kia Optima Hybrid insurance prices. A middle-age driver might find rates as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,940 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for More Affordable Kia Optima Hybrid Insurance

Saving money on insurance for a Kia Optima Hybrid consists of avoiding accidents and violations, having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $160 per year just by quoting early and online
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,570 more every year for car insurance
• Increasing deductibles could save as much as $450 each year
• Teenagers pay higher rates, as much as $438 per month if they have full coverage