Kia Optima Plug-In Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: May 12, 2024
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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, collision costs $626, and liability coverage is $420. Liability-only coverage costs around $494 a year, with high-risk coverage costing $3,442 or more. Teen drivers cost the most to insure at $5,844 a year or more.
Average premium for full coverage: $1,602
Policy rates broken down by type of insurance:
Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Optima Plug-In Hybrid trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Kia Optima Plug-In Hybrid insurance rates go from the cheapest price of $494 for just liability insurance to a much higher rate of $3,442 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than using price averages.
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.
More Rate Details
The chart below details estimated Kia Optima Plug-In Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $926
- Raising to $1,000 deductibles will save approximately $228 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,602
- Choosing more expensive low deductibles costs an extra $440 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,442 or more
- Policy cost to insure a teenage driver with full coverage can cost as much as $5,844
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.
Choosing high deductibles can reduce rates by up to $670 a year, while increasing your policy's 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
An older driver with no violations or accidents and higher deductibles may only pay around $1,500 every 12 months 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. High-risk driver insurance is expensive and can cost around 44% to 133% more than average. View High Risk Driver Rates
Your home state also has a big influence on Kia Optima Plug-In Hybrid insurance rates. A middle-age driver might find rates as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,160 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Kia Optima Plug-In Hybrid | $250 | $388 | $520 | $1,338 |
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 cheaper rates on auto insurance consists of having a good driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at least once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The next list is a brief review of the primary concepts that were raised in the charts and tables above.
- You may be able to save approximately $190 per year simply by shopping early and online
- Drivers with DUI or reckless driving convictions may pay on average $1,840 more annually to buy Kia Optima Plug-In Hybrid insurance
- Increasing comprehensive and collision deductibles could save as much as $675 each year
- Drivers age 20 and younger are expensive to insure, as much as $487 each month if full coverage is included
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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