Kia Optima Plug-In Hybrid Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 12, 2024

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Estimated insurance rates for a Kia Optima Plug-In Hybrid are $1,602 a year for full coverage. Comprehensive costs around $376, collision costs $626, and liability coverage is estimated at $420. Liability-only coverage costs approximately $494 a year, with high-risk coverage costing around $3,442. Teen drivers pay the most at $5,844 a year or more.

Average premium for full coverage: $1,602

Premium estimates for type of coverage:

Comprehensive $376
Collision $626
Liability $420

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different Optima Plug-In Hybrid trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Kia Optima Plug-In Hybrid go from the low end price of $494 for the bare minimum liability coverage to a much higher rate of $3,442 for a driver that may need high-risk insurance.

Liability Only $494
Full Coverage $1,602
High Risk $3,442

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 lower incidents of accident claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,202
Small Cities $1,682
Large Cities $2,163

These rate differences show why anyone shopping for car insurance should get quotes for a specific zip code, 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.

Additional Rate Information

The chart below shows estimated Kia Optima Plug-In Hybrid insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $926
  • Choosing higher $1,000 deductibles can save about $228 a year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,602
  • Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $2,042
  • Drivers with multiple violations and an at-fault accident could pay at least $3,442 or more
  • An auto insurance policy that insures a teenage driver with full coverage can be $5,844 each year

View Chart as Image

Kia Optima Plug-In Hybrid insurance cost comparison chart
Column chart showing full coverage Kia Optima Plug-In Hybrid insurance rates range from $926 to $5,844

Insurance prices for a Kia Optima Plug-In Hybrid also have a wide range based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,900 to $2,600 extra annually, depending on your age. High-risk driver insurance ranges around 44% to 133% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $5,800 a year. View Rates by Age

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 as much as $2,280 on average in Michigan, Louisiana, and New York.

Kia Optima Plug-In Hybrid Insurance Rates by State
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%

View Chart as Image

Kia Optima Plug-In Hybrid insurance rates by U.S. city

Choosing high deductibles can save as much as $670 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $378 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know your exact price is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so the prices will be substantially different.

Kia Optima Plug-In Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Kia Optima Plug-In Hybrid $280 $470 $514 $1,444

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 Affordable Kia Optima Plug-In Hybrid Insurance

Finding better rates on auto insurance takes being safe and accident-free, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Shop around once a year by requesting rates from direct carriers, and also from several local insurance agents.

Below you'll find a brief review of the data that was raised in the charts and tables above.

  • Drivers can save up to $190 per year simply by shopping early and online
  • Consumers who may need more liability protection will pay about $460 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • Youthful drivers pay higher prices, as much as $487 per month if full coverage is included
  • Drivers with DUI or reckless driving convictions pay on average $1,840 more every year than a low-risk driver

Rates by Driver Age

Kia Optima Plug-In Hybrid Insurance 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

Kia Optima Plug-In Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,042
$250 $1,838
$500 $1,602
$1,000 $1,374

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Plug-In Hybrid Insurance Rates with Different Liability Limits
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

Kia Optima Plug-In Hybrid Insurance 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.

SR-22 Surcharge $218

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
Rate after discounts $926

Discounts are estimated and may not be available from every company or in every state.

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