Kia Optima Plug-In Hybrid Insurance Rates
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UPDATED: May 12, 2024
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Estimated insurance prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months for full coverage. Comprehensive costs around $376 a year, collision insurance costs $626, and liability coverage is estimated at $420. A policy with only liability insurance costs approximately $494 a year, and a high-risk policy costs around $3,442. Teens pay the most at up to $5,844 a year.
Average premium for full coverage: $1,602
Premium estimates for type of coverage:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Optima Plug-In Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Kia Optima Plug-In Hybrid range from the cheapest price of $494 for liability-only coverage to a high of $3,442 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance rates.
These rate differences show why it is important to get quotes for a specific zip code and their own driving history, rather than using 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 $1,374 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,602
- Selecting low $100 deductibles for comp and collision coverage increases the price to $2,042
- Drivers with serious driving violations could pay at least $3,442
- An auto insurance policy to insure a teenage driver can be $5,844 each year
Car insurance prices for a Kia Optima Plug-In Hybrid also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can save as much as $670 a year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $378 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $5,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy ranges around 44% to 133% more than the average policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Kia Optima Plug-In Hybrid insurance rates. 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 | $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 Shop for Affordable Kia Optima Plug-In Hybrid Insurance
Finding better rates on auto insurance takes avoiding accidents and claims, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Make time to compare rates every time your policy renews by getting quotes from direct carriers, and also from local exclusive and independent agents.
The points below are a brief review of the information touched on in this article.
- Drivers can save up to $190 per year just by quoting early and online
- Drivers under the age of 20 are the costliest to insure, as much as $487 per month if the policy includes full coverage
- Increasing policy deductibles could save as much as $675 each year
- Drivers with DUI or reckless driving convictions may pay on average $1,840 more every year to insure a Kia Optima Plug-In Hybrid
- Consumers who may need increased liability limits will pay approximately $460 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
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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