Kia Optima Plug-In Hybrid Insurance Rates

The average insurance prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months with full coverage. Comprehensive insurance costs an estimated $376 each year, collision insurance costs $626, and liability is estimated at $420. Liability-only coverage costs approximately $494 a year, and high-risk coverage costs $3,442 or more. 16-year-old 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:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Optima Plug-In Hybrid models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than congested cities. The graphic below illustrates how location helps determine insurance prices.

The examples above demonstrate why all drivers should get quotes for a targeted area and their own driving history, instead of using rate averages.

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

Additional Rate Details

The chart below details average Kia Optima Plug-In Hybrid insurance rates for other coverage scenarios.

• The best full coverage rate is $926
• Choosing higher $1,000 deductibles can save approximately $228 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,602
• Buying low deductibles for comp and collision coverage costs an extra $440 every year
• Unlucky drivers with multiple tickets or accidents could pay up to $3,442
• Policy cost to insure a teen driver can cost as much as $5,844 each year

View Chart as Image

Insurance rates for a Kia Optima Plug-In Hybrid also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $670 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $378 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $5,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 133% more than the average rate. View High Risk Driver Rates

Your home state 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 $1,150 a year in states like Utah, Ohio, and New Hampshire, or at least $2,160 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for the Right Kia Optima Plug-In Hybrid Insurance

Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every year by getting quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a quick rundown of the coverage data covered in the charts and tables above.

• You may be able to save approximately $190 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $675 each year
• Youthful drivers are expensive to insure, as much as $487 each month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,840 more annually than a low-risk driver