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 costs an estimated $376 a year, collision costs $626, and liability coverage costs $420. A liability-only policy costs as little as $494 a year, with high-risk insurance costing around $3,442. Teenage 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:
Price estimates include $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Optima Plug-In Hybrid trim levels.
Price Range Variability
For a driver in their 40's, Kia Optima Plug-In Hybrid insurance rates go from the cheapest price of $494 for liability-only coverage to a high of $3,442 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities.
The diagram below illustrates how location helps determine insurance prices.
The examples above demonstrate why it is important to compare rates for a targeted area and their own driving history, 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 Charts and Tables
The chart below details estimated 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 $1,374 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,602
- Using low $100 deductibles for comprehensive and collision insurance increases the price to $2,042
- High-risk insureds who are prone to accidents and violations could pay up to $3,442 or more
- Policy cost to insure a teenage driver can cost as much as $5,844 a year
Car 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.
Using high physical damage deductibles could save up to $670 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $378 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged 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 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Kia Optima Plug-In Hybrid insurance rates. A 40-year-old driver could pay as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay 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 get quotes and see how they stack up. Every company uses a different method to calculate rates, so rate quotes will be varied.
| 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 Shop for Cheaper Kia Optima Plug-In Hybrid Insurance
Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and not having any coverage lapses. Invest time comparing rates once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The following is a condensed summary of the data that was covered in the charts and tables above.
- You may be able to save approximately $190 per year simply by quoting early and online
- Consumers who want higher liability limits will pay an extra $460 every year to go from a 30/60 limit to a 250/500 level
- Teens have the highest car insurance rates, as much as $487 each month if the policy includes full coverage
- Drivers with multiple at-fault accidents may pay on average $1,840 more annually for Optima Plug-In Hybrid insurance
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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