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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Estimated auto insurance rates for a Kia Optima Plug-In Hybrid are $1,602 annually for full coverage. Comprehensive insurance costs around $376, collision costs $626, and liability coverage costs around $420. Liability-only insurance costs as low as $494 a year, with high-risk driver insurance costing $3,442 or more. Teenage drivers pay the most at $5,844 a year or more.
Average premium for full coverage: $1,602
Premium estimates for type of coverage:
Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all Optima Plug-In Hybrid models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Kia Optima Plug-In Hybrid go from as cheap as $494 for just the minimum liability insurance to the much higher price of $3,442 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than densely populated cities.
The example below illustrates how location impacts auto insurance rates.
These rate differences show why everyone should compare prices for a specific zip code and their own personal driving habits, rather than using 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 estimated Kia Optima Plug-In Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $926
- Using higher $1,000 deductibles will save about $228 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,602
- Using pricier low deductibles for physical damage coverage costs an additional $440 each year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,442 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage can be $5,844 or more
Insurance prices for a Kia Optima Plug-In Hybrid also have a wide range based on the model of your Optima Plug-In Hybrid, your driver profile, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,900 to $2,600 additional annually, depending on your age. Kia Optima Plug-In Hybrid insurance for high-risk drivers can be around 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $670 a year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $378 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Kia Optima Plug-In Hybrid insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $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% |
With such a large range in prices, the only way to know your exact price is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and prices will be substantially different between companies.
| 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 Buy the Best Kia Optima Plug-In Hybrid Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, not filing small claims, and taking advantage of discounts. Spend time shopping around at every other renewal by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.
The following is a brief recap of the concepts that were touched on above.
- Drivers who tend to receive serious violations pay an average of $1,840 more every year for Optima Plug-In Hybrid insurance
- Teens are charged the highest prices, as much as $487 per month if they have full coverage
- Drivers can save up to $190 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $675 each year
- Drivers can save up to $190 per year simply 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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