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2020 Kia Optima Hybrid Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Average insurance rates for a 2020 Kia Optima Hybrid are $1,536 a year including full coverage. Comprehensive insurance costs on average $346, collision insurance costs $570, and liability insurance costs $440. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs $3,306 or more. Teen drivers receive the highest rates at up to $5,682 a year.

Annual premium for full coverage: $1,536

Rate estimates for 2020 Kia Optima Hybrid Insurance

Comprehensive $346
Collision $570
Liability $440

Rate data is compiled from all 50 U.S. states and averaged for all 2020 Kia Optima Hybrid models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $510 for just liability insurance to a much higher rate of $3,306 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,536
High Risk $3,306

View Chart as Image

2020 Kia Optima Hybrid insurance rates compared
Column chart showing 2020 Kia Optima Hybrid insurance prices range from $893 to $5,682 for full coverage

These differences highlight why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2020 Kia Optima Hybrid Insurance

Searching Companies

Searching for cheaper insurance rates for your Kia Optima Hybrid? Locating cheaper insurance for your Kia Optima Hybrid can turn out to be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to shop for insurance so you’re going to learn the best way to quote coverages for a Kia and find the best price possible either online or from local insurance agents.

Compare insurance coverage quotes online

Most larger insurance companies such as Allstate, GEICO and Progressive give coverage price quotes on the web. Getting online quotes is pretty easy as you just type in your personal and coverage information as requested by the quote form. Once entered, the company’s rating system pulls reports for credit and driving violations and gives you a price quote determined by many factors.

Quoting online helps simplify price comparisons, but having to visit multiple sites and type in the same information is monotonous and tiresome. But it is imperative to get many rate quotes in order to get the lowest possible prices on insurance coverage.

Quote rates the easy way

The quickest way to compare rates utilizes a single form that analyzes rates from many companies. The form is fast, requires less work, and makes online shopping much easier to do. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the pricing results.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. This process can be completed in a matter of minutes and may save quite a bit of money.

To save time and find out if lower rates are available, simply enter your zip code here and input your coverage information. If you have a policy now, it’s recommended you type in the coverage information as shown on your current policy. This makes sure you are getting comparison quotes for exact coverage.

Lower rate quotes by receiving discounts

Auto insurance companies don’t always publicize their entire list of discounts very clearly, so here is a list both well-publicized and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online.

  • Sign Online – A few companies give back up to $50 for buying your policy over the internet.
  • Accident Waiver – Not necessarily a discount, but a few companies such as State Farm and GEICO will let one accident slide before they charge you more for coverage if you have no claims prior to being involved in the accident.
  • Good Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote on Optima Hybrid coverage than less cautious drivers.
  • Onboard Data Collection – Drivers who agree to allow their insurance company to spy on when and where they use their vehicle by using a telematic data system like Allstate’s Drivewise could see a rate decrease if they show good driving skills.
  • Good Students Pay Less – Excelling in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.

Remember that many deductions do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.

Some of the insurance companies that may offer these money-saving discounts possibly include:

When comparing rates, check with every prospective company which credits you are entitled to. Discounts might not be offered on policies in your area. If you would like to choose from a list of companies that offer many of these discounts, enter your zip code here.

Your insurance coverage should be tailored to you

When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Each situation is unique.

For instance, these questions might point out whether your personal situation will benefit from professional help.

  • Do I have any recourse if my insurance company denies a claim?
  • How high should my medical payments coverage be?
  • At what point should I drop full coverage?
  • Does coverage extend to Mexico or Canada?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete your zip code. It only takes a few minutes and can help protect your family.

Learn how to lower your insurance prices

When buying insurance it’s important to understand the factors that play a part in calculating the rates you pay for insurance. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower premium levels. Lots of factors are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but others are less obvious like where you live and annual miles driven.

  • Careless drivers pay higher rates – Attentive drivers have lower premiums compared to drivers with tickets. Even a single driving citation could increase your next policy renewal substantially. Drivers who have received dangerous violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with the DMV in their state in order to prevent their license from being revoked.
  • Do you have enough liability coverage? – A critical coverage on your policy, liability insurance will afford coverage when you are responsible for damages from an accident. Liability provides legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Your vocation can affect rates – Careers like lawyers, business owners and financial analysts have higher average rates attributed to intense work requirements and extremely grueling work hours. On the other hand, jobs such as actors, athletes and the unemployed pay lower than average rates on Optima Hybrid coverage.
  • Improve your credit rating – Your credit rating is a large factor in calculating your insurance rates. Drivers with excellent credit tend to be more responsible than drivers with bad credit. Therefore, if your credit rating can be improved, you may save money insuring your 2020 Kia Optima Hybrid by repairing your credit.
  • Avoid insurance lapses – Driving with no insurance is a big no-no and you will pay a penalty because you let your insurance lapse. Not only will rates go up, being ticketed for driving with no insurance will get you fines or a revoked license.
  • Alarms and GPS tracking lower insurance rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft and help bring rates down.
  • An active claims history can increase rates – If you frequently file small claims, you can pretty much guarantee higher premiums or even policy non-renewal. Companies generally give the lowest premiums to people that do not abuse their auto insurance. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Keep the miles off and save – The more you drive in a year’s time the higher your rates will be. Most insurance companies charge to insure your cars determined by how the vehicle is used. Vehicles that have low annual miles receive better premium rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance policy reflects the correct usage for each vehicle. Incorrect rating for your Optima Hybrid is just wasting money.

Save $433 a year! What?

Consumers constantly see and hear ads that promise big savings for switching from the likes of Allstate, GEICO and Progressive. They all seem to say the same thing that you can save after switching your coverage to them.

How can each company give you a better price? Here is the trick they use.

Insurance providers quote their best rates for the right customer that makes them money. A good example of a profitable insured could be over the age of 35, has never had a claim, and the vehicle is rated for pleasure use. Any driver who meets those qualifications gets the lowest rates and will probably pay quite a bit less when switching companies.

Drivers who do not fit the “perfect” profile will see higher premium rates which usually ends up with the customer buying from someone else. If you pay close attention to the ads, they say “people who switch” not “everyone that quotes” save money. This is how companies can truthfully make the claims of big savings.

That is why you really need to do a rate comparison at every renewal. It is just not possible to predict the company that will give you lower premium rates than your current company.

Learn about insurance coverages for a 2020 Kia Optima Hybrid

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Auto collision coverage

Collision coverage will pay to fix damage to your Optima Hybrid from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, hitting a parking meter, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, hitting a bird, hitting a deer, theft and vandalism. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, dental work, surgery and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

This coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, bail bonds, court costs, legal defense fees and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

A tidy conclusion

When trying to cut insurance costs, do not reduce needed coverages to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at the best possible price, but do not skimp to save money.

You just learned a lot of ways to compare 2020 Kia Optima Hybrid insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even discover the lowest premium rates are with some of the lesser-known companies.

Low-cost 2020 Kia Optima Hybrid insurance is attainable both online and with local insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and many times these small, regional companies work with independent insurance agencies.

For more information, link through to the resources below:

Rates by U.S. City

2020 Kia Optima Hybrid Insurance Rates by City
City Premium
New York City, NY $2,430
Los Angeles, CA $2,625
Philadelphia, PA $2,050
Jacksonville, FL $2,230
Phoenix, AZ $1,786
Chicago, IL $2,059
Houston, TX $2,405
Seattle, WA $1,492
Columbus, OH $1,283
Indianapolis, IN $1,309

Rates by Driver Age

2020 Kia Optima Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $5,682
20 $3,518
30 $1,602
40 $1,536
50 $1,402
60 $1,376

Full coverage, $500 deductibles

Rates by Deductible

2020 Kia Optima Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,940
$250 $1,754
$500 $1,536
$1,000 $1,328

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,536
50/100 $1,624
100/300 $1,734
250/500 $2,020
100 CSL $1,668
300 CSL $1,910
500 CSL $2,086

Full coverage, driver age 40

Rates for High Risk Drivers

2020 Kia Optima Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $8,100
20 $5,588
30 $3,376
40 $3,306
50 $3,150
60 $3,122

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 $209

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $81
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $111
5-yr Claim Free $98
Paid in Full/EFT $69
Advance Quote $75
Online Quote $108
Total Discounts $643
Rate after discounts $893

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

Find companies with the cheapest rates in your area

2020 Kia Optima Hybrid Insurance Rates by State
State Premium
Alabama $1,388
Alaska $1,180
Arizona $1,276
Arkansas $1,536
California $1,750
Colorado $1,466
Connecticut $1,578
Delaware $1,740
Florida $1,922
Georgia $1,420
Hawaii $1,102
Idaho $1,040
Illinois $1,144
Indiana $1,158
Iowa $1,038
Kansas $1,458
Kentucky $2,094
Louisiana $2,276
Maine $950
Maryland $1,270
Massachusetts $1,226
Michigan $2,668
Minnesota $1,286
Mississippi $1,842
Missouri $1,362
Montana $1,652
Nebraska $1,212
Nevada $1,842
New Hampshire $1,110
New Jersey $1,718
New Mexico $1,360
New York $1,620
North Carolina $886
North Dakota $1,260
Ohio $1,060
Oklahoma $1,576
Oregon $1,408
Pennsylvania $1,464
Rhode Island $2,052
South Carolina $1,394
South Dakota $1,298
Tennessee $1,344
Texas $1,850
Utah $1,136
Vermont $1,052
Virginia $920
Washington $1,184
West Virginia $1,410
Wisconsin $1,064
Wyoming $1,368

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