Kia Optima Plug-In Hybrid Insurance Rates

U.S. average insurance rates for a Kia Optima Plug-In Hybrid are $1,602 a year for full coverage. Comprehensive insurance costs on average $376 a year, collision insurance costs $626, and liability costs around $420. Liability-only coverage costs as low as $494 a year, and high-risk coverage costs $3,442 or more. Teen drivers pay the highest rates at up to $5,844 a year.

Average premium for full coverage: $1,602

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Optima Plug-In Hybrid trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than larger metro areas. The diagram below illustrates how geographic area affects car insurance rates.

The ranges above show why it is important to compare prices based on a specific location, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below shows average Kia Optima Plug-In Hybrid insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $926
• Using higher $1,000 deductibles will save around $1,374 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,602
• Choosing low $100 deductibles for physical damage coverage will cost an additional $440 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,442
• The price that insures a 16-year-old driver may cost $5,844 or more

View Chart as Image

Auto insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on the trim level of your Optima Plug-In Hybrid, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 44% to 133% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,800 a year. View Rates by Age

The state you live in has a huge impact on Kia Optima Plug-In Hybrid insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like Idaho, Maine, and Iowa, or as much as $2,280 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $670 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $378 extra every year. View Rates by Deductible or Liability Limit

How to Find Low Cost Kia Optima Plug-In Hybrid Insurance

Getting lower rates on insurance for a Kia Optima Plug-In Hybrid requires having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Shop around at every policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a review of the data presented in the illustrations above.

• Insureds who require additional liability coverage will pay about $460 each year to increase from a low limit to the 250/500 level
• Drivers can save as much as $190 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $675 each year
• 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $487 a month if the policy includes full coverage