Kia Optima Plug-In Hybrid Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 12, 2024
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U.S. average insurance prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months for full coverage. Comprehensive costs around $376, collision insurance costs $626, and liability is estimated at $420. A policy with just liability insurance costs approximately $494 a year, and coverage for high-risk drivers costs around $3,442. Teens pay the highest rates at up to $5,844 a year.
Average premium for full coverage: $1,602
Price estimates for individual coverage:
These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all Optima Plug-In Hybrid models.
Price Range from Low to High
Using a middle-aged driver as an example, Kia Optima Plug-In Hybrid insurance prices range from the cheapest price of $494 for liability-only coverage to the much higher price of $3,442 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.
The ranges above show why everyone should get quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
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 Charts and Tables
The chart below shows average Kia Optima Plug-In Hybrid insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $926
- Choosing higher $1,000 deductibles can save about $228 a year
- The average price for the average middle-age driver using $500 deductibles is $1,602
- Selecting pricier low deductibles for comp and collision coverage increases the price to $2,042
- Higher-risk drivers with serious driving violations could pay at least $3,442
- The price to insure a 16-year-old driver for full coverage can be $5,844 each year
Insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $670 annually, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $378 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $5,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,900 to $2,600 extra each year, depending on your age. Kia Optima Plug-In Hybrid insurance for high-risk drivers ranges from 44% to 133% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Kia Optima Plug-In Hybrid insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,280 on average in Michigan, Louisiana, and New York.
| 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Kia Optima Plug-In Hybrid | $250 | $388 | $520 | $1,338 |
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 Shop for Cheap Kia Optima Plug-In Hybrid Insurance
Getting lower rates on insurance for a Kia Optima Plug-In Hybrid takes avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a brief summary of the data touched on in the above illustrations.
- Insureds who may need higher liability limits will pay approximately $460 each year to raise limits from a low limit to a 250/500 level
- Drivers can save up to $190 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $675 each year
- Teenagers pay higher prices, with premiums as much as $487 a month if they have full coverage
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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