Kia Optima Plug-In Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: May 12, 2024
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U.S. average insurance rates for a Kia Optima Plug-In Hybrid are $1,602 a year for full coverage. Comprehensive insurance costs an estimated $376 each year, collision costs $626, and liability insurance is $420. Buying just liability costs around $494 a year, with insurance for high-risk drivers costing $3,442 or more. Teenage drivers pay the highest rates at $5,844 a year or more.
Average premium for full coverage: $1,602
Price estimates broken down by individual coverage:
Estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Optima Plug-In Hybrid models.
Price Range from Low to High
For a driver in their 40's, Kia Optima Plug-In Hybrid insurance prices go from as low as $494 for just the minimum liability insurance to a high rate of $3,442 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities.
The graphic below illustrates how location helps determine insurance prices.
The ranges above show why all drivers should compare rates quotes for a targeted area and risk profile, 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.
Additional Rate Analysis
The chart below shows estimated Kia Optima Plug-In Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $926
- Raising to $1,000 deductibles will save approximately $228 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,602
- Using low deductibles will cost an extra $440 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,442 or more
- The price for full coverage for a teen driver can cost as much as $5,844
Insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on your driving record, the trim level of your Optima Plug-In Hybrid, and liability limits and deductibles.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $5,800 a year. View Rates by Age
The state you live in also has a big influence on Kia Optima Plug-In Hybrid insurance rates. A middle-age driver might find prices as low as $1,060 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,280 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,446 | -$156 | -9.7% |
| Alaska | $1,228 | -$374 | -23.3% |
| Arizona | $1,330 | -$272 | -17.0% |
| Arkansas | $1,602 | -$0 | 0.0% |
| California | $1,826 | $224 | 14.0% |
| Colorado | $1,528 | -$74 | -4.6% |
| Connecticut | $1,644 | $42 | 2.6% |
| Delaware | $1,814 | $212 | 13.2% |
| Florida | $2,004 | $402 | 25.1% |
| Georgia | $1,480 | -$122 | -7.6% |
| Hawaii | $1,148 | -$454 | -28.3% |
| Idaho | $1,086 | -$516 | -32.2% |
| Illinois | $1,192 | -$410 | -25.6% |
| Indiana | $1,210 | -$392 | -24.5% |
| Iowa | $1,080 | -$522 | -32.6% |
| Kansas | $1,522 | -$80 | -5.0% |
| Kentucky | $2,184 | $582 | 36.3% |
| Louisiana | $2,372 | $770 | 48.1% |
| Maine | $990 | -$612 | -38.2% |
| Maryland | $1,322 | -$280 | -17.5% |
| Massachusetts | $1,278 | -$324 | -20.2% |
| Michigan | $2,780 | $1,178 | 73.5% |
| Minnesota | $1,342 | -$260 | -16.2% |
| Mississippi | $1,918 | $316 | 19.7% |
| Missouri | $1,420 | -$182 | -11.4% |
| Montana | $1,720 | $118 | 7.4% |
| Nebraska | $1,262 | -$340 | -21.2% |
| Nevada | $1,922 | $320 | 20.0% |
| New Hampshire | $1,156 | -$446 | -27.8% |
| New Jersey | $1,790 | $188 | 11.7% |
| New Mexico | $1,418 | -$184 | -11.5% |
| New York | $1,686 | $84 | 5.2% |
| North Carolina | $922 | -$680 | -42.4% |
| North Dakota | $1,312 | -$290 | -18.1% |
| Ohio | $1,106 | -$496 | -31.0% |
| Oklahoma | $1,644 | $42 | 2.6% |
| Oregon | $1,466 | -$136 | -8.5% |
| Pennsylvania | $1,526 | -$76 | -4.7% |
| Rhode Island | $2,138 | $536 | 33.5% |
| South Carolina | $1,452 | -$150 | -9.4% |
| South Dakota | $1,354 | -$248 | -15.5% |
| Tennessee | $1,402 | -$200 | -12.5% |
| Texas | $1,928 | $326 | 20.3% |
| Utah | $1,184 | -$418 | -26.1% |
| Vermont | $1,098 | -$504 | -31.5% |
| Virginia | $958 | -$644 | -40.2% |
| Washington | $1,234 | -$368 | -23.0% |
| West Virginia | $1,470 | -$132 | -8.2% |
| Wisconsin | $1,108 | -$494 | -30.8% |
| Wyoming | $1,426 | -$176 | -11.0% |
Using high physical damage deductibles can reduce prices by up to $670 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $378 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,900 to $2,600 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Kia Optima Plug-In Hybrid | $268 | $422 | $520 | $1,390 |
Rates are averaged for all Kia Optima Plug-In 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 Find Low Cost Kia Optima Plug-In Hybrid Insurance
Getting lower rates on Kia Optima Plug-In Hybrid insurance consists of being a good driver, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following list is a review of the material that was covered in the charts and tables above.
- Drivers who want an increased level of liability coverage will pay an extra $460 each year to raise from a low limit to 250/500 limits
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $487 a month including comprehensive and collision insurance
- High-risk drivers who have several accidents or serious violations pay an average of $1,840 more annually than a safer driver
- Increasing physical damage deductibles can save around $675 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,844 |
| 20 | $3,664 |
| 30 | $1,676 |
| 40 | $1,602 |
| 50 | $1,460 |
| 60 | $1,432 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,042 |
| $250 | $1,838 |
| $500 | $1,602 |
| $1,000 | $1,374 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,602 |
| 50/100 | $1,686 |
| 100/300 | $1,791 |
| 250/500 | $2,064 |
| 100 CSL | $1,728 |
| 300 CSL | $1,959 |
| 500 CSL | $2,127 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,348 |
| 20 | $5,818 |
| 30 | $3,524 |
| 40 | $3,442 |
| 50 | $3,278 |
| 60 | $3,250 |
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 | $85 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $114 |
| Total Discounts | $676 |
Discounts are estimated and may not be available from every company or in every state.
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