Kia Optima Plug-In Hybrid Insurance Rates

The average insurance rates for a Kia Optima Plug-In Hybrid are $1,602 a year with full coverage. Comprehensive insurance costs an estimated $376, collision insurance costs $626, and liability insurance costs around $420. Buying just liability costs as low as $494 a year, and insurance for high-risk drivers costs $3,442 or more. Teen 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:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates how your location can change insurance prices.

The examples above demonstrate why everyone should compare prices for a targeted area and risk profile, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $926
• Using higher $1,000 deductibles will save approximately $228 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,602
• Choosing pricier low deductibles for physical damage coverage will cost an extra $440 a year
• Drivers with multiple violations and an at-fault accident could pay up to $3,442
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,844 or more

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,800 a year. View Rates by Age

Your home state has a huge impact on Kia Optima Plug-In Hybrid insurance rates. A driver around age 40 might see 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.

View Chart as Image

Choosing high deductibles could cut rates by as much as $670 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $378 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,900 to $2,600 extra every year, depending on your age. Kia Optima Plug-In Hybrid insurance for high-risk drivers can be anywhere from 44% to 133% more than average. View High Risk Driver Rates

How to Find Cheaper Kia Optima Plug-In Hybrid Insurance

Finding cheaper rates on Kia Optima Plug-In Hybrid insurance requires being safe and accident-free, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a condensed summary of the coverage data illustrated above.

• You may be able to save approximately $190 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $675 each year
• Youthful drivers are charged the highest rates, as much as $487 each month for full coverage
• High-risk drivers with multiple at-fault accidents may pay on average $1,840 more annually than a low-risk driver