Kia Optima Plug-In Hybrid Insurance Rates
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UPDATED: May 12, 2024
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The average insurance rates for a Kia Optima Plug-In Hybrid are $1,602 a year for full coverage. Comprehensive costs an estimated $376, collision insurance costs $626, and liability costs $420. A liability-only policy costs as little as $494 a year, and high-risk insurance costs around $3,442. Teenage drivers cost the most to insure at up to $5,844 a year.
Average premium for full coverage: $1,602
Policy rates broken down by type of insurance:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Optima Plug-In Hybrid models.
Price Range Variability
For the average 40-year-old driver, Kia Optima Plug-In Hybrid insurance rates range from as low as $494 for just the minimum liability insurance to the much higher price of $3,442 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than densely populated cities. The example below illustrates the difference location can make on insurance prices.
The examples above show why everyone should compare rates for a targeted area and risk profile, instead of making a decision based 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 average Kia Optima Plug-In Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $926
- Drivers who choose higher $1,000 deductibles will pay approximately $228 a year
- The average rate for a good driver age 40 who has $500 deductibles is $1,602
- Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,042
- Drivers who are prone to accidents and violations could pay up to $3,442
- Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $5,844 a year
Car insurance rates for a Kia Optima Plug-In Hybrid also range considerably based on your risk profile, the trim level of your Optima Plug-In Hybrid, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,800 a year. View Rates by Age
Your home state makes a big difference in Kia Optima Plug-In Hybrid insurance prices. A 40-year-old driver could pay 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 could save up to $670 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $378 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying $1,900 to $2,600 extra every year, depending on your age. Kia Optima Plug-In Hybrid insurance for high-risk drivers can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates
| 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 the Best Cheap Kia Optima Plug-In Hybrid Insurance
Finding cheaper rates on insurance for a Kia Optima Plug-In Hybrid not only requires avoiding accidents and claims, but also having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Make time to compare rates every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The points below are a quick review of the ideas that were touched on in this article.
- Drivers under the age of 20 have the highest car insurance rates, costing up to $487 each month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,840 more annually to insure a Kia Optima Plug-In Hybrid
- Increasing comprehensive and collision deductibles can save around $675 each year
- Drivers can save approximately $190 per year just by quoting online well ahead of the renewal date
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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