Kia Optima Hybrid Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 13, 2024
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Average auto insurance rates for a Kia Optima Hybrid are $1,310 annually with full coverage. Comprehensive insurance costs around $242, collision costs $368, and liability coverage costs around $520. Liability-only coverage costs as low as $576 a year, with high-risk coverage costing $2,824 or more. Teen drivers receive the highest rates at $5,108 a year or more.
Average premium for full coverage: $1,310
Rate estimates for individual coverage type:
Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Optima Hybrid trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $576 for minimum levels of liability insurance to a much higher rate of $2,824 for a policy for a high-risk driver.
Price Range by Location
Where you live has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than larger metro areas.
The price range example below illustrates the effect of geographic area on auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, 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 Details
The chart below details estimated Kia Optima Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $779
- Using higher $1,000 deductibles will save about $138 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,310
- Choosing more expensive low deductibles for physical damage coverage costs an additional $268 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,824 or more
- The cost with full coverage for a teenage driver with full coverage can be $5,108 or more
Car insurance rates for a Kia Optima Hybrid can also vary considerably based on the trim level of your Optima Hybrid, your driving record, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $5,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,500 to $2,200 extra per year, depending on your age. High-risk driver insurance can be around 43% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $410 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Kia Optima Hybrid insurance rates. A driver around age 40 might see rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,182 | -$128 | -9.8% |
| Alaska | $1,004 | -$306 | -23.4% |
| Arizona | $1,088 | -$222 | -16.9% |
| Arkansas | $1,310 | -$0 | 0.0% |
| California | $1,492 | $182 | 13.9% |
| Colorado | $1,248 | -$62 | -4.7% |
| Connecticut | $1,344 | $34 | 2.6% |
| Delaware | $1,482 | $172 | 13.1% |
| Florida | $1,638 | $328 | 25.0% |
| Georgia | $1,210 | -$100 | -7.6% |
| Hawaii | $940 | -$370 | -28.2% |
| Idaho | $888 | -$422 | -32.2% |
| Illinois | $974 | -$336 | -25.6% |
| Indiana | $988 | -$322 | -24.6% |
| Iowa | $884 | -$426 | -32.5% |
| Kansas | $1,244 | -$66 | -5.0% |
| Kentucky | $1,784 | $474 | 36.2% |
| Louisiana | $1,940 | $630 | 48.1% |
| Maine | $810 | -$500 | -38.2% |
| Maryland | $1,080 | -$230 | -17.6% |
| Massachusetts | $1,046 | -$264 | -20.2% |
| Michigan | $2,272 | $962 | 73.4% |
| Minnesota | $1,096 | -$214 | -16.3% |
| Mississippi | $1,570 | $260 | 19.8% |
| Missouri | $1,160 | -$150 | -11.5% |
| Montana | $1,406 | $96 | 7.3% |
| Nebraska | $1,032 | -$278 | -21.2% |
| Nevada | $1,572 | $262 | 20.0% |
| New Hampshire | $944 | -$366 | -27.9% |
| New Jersey | $1,464 | $154 | 11.8% |
| New Mexico | $1,158 | -$152 | -11.6% |
| New York | $1,380 | $70 | 5.3% |
| North Carolina | $756 | -$554 | -42.3% |
| North Dakota | $1,074 | -$236 | -18.0% |
| Ohio | $902 | -$408 | -31.1% |
| Oklahoma | $1,344 | $34 | 2.6% |
| Oregon | $1,200 | -$110 | -8.4% |
| Pennsylvania | $1,248 | -$62 | -4.7% |
| Rhode Island | $1,748 | $438 | 33.4% |
| South Carolina | $1,186 | -$124 | -9.5% |
| South Dakota | $1,104 | -$206 | -15.7% |
| Tennessee | $1,144 | -$166 | -12.7% |
| Texas | $1,578 | $268 | 20.5% |
| Utah | $966 | -$344 | -26.3% |
| Vermont | $898 | -$412 | -31.5% |
| Virginia | $782 | -$528 | -40.3% |
| Washington | $1,010 | -$300 | -22.9% |
| West Virginia | $1,200 | -$110 | -8.4% |
| Wisconsin | $906 | -$404 | -30.8% |
| Wyoming | $1,166 | -$144 | -11.0% |
With so much variability in rates, the best way to find out your exact price is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Optima Hybrid | $292 | $512 | $500 | $1,484 |
| 2019 Kia Optima Hybrid | $282 | $474 | $510 | $1,446 |
| 2018 Kia Optima Hybrid | $270 | $446 | $514 | $1,410 |
| 2017 Kia Optima Hybrid | $258 | $400 | $520 | $1,358 |
| 2016 Kia Optima Hybrid | $242 | $368 | $520 | $1,310 |
| 2015 Kia Optima Hybrid | $234 | $346 | $524 | $1,284 |
Rates are averaged for all Kia Optima 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 Buy More Affordable Kia Optima Hybrid Insurance
Saving money on auto insurance requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every year by requesting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The items below are a summary of the coverage data covered in the above illustrations.
- You may be able to save up to $150 per year simply by shopping early and online
- Increasing deductibles could save up to $400 each year
- Teen drivers are the costliest to insure, with premiums as much as $426 per month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations may pay on average $1,510 more every year to insure their Optima Hybrid
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,108 |
| 20 | $3,000 |
| 30 | $1,344 |
| 40 | $1,310 |
| 50 | $1,200 |
| 60 | $1,174 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,578 |
| $250 | $1,454 |
| $500 | $1,310 |
| $1,000 | $1,172 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,310 |
| 50/100 | $1,414 |
| 100/300 | $1,544 |
| 250/500 | $1,882 |
| 100 CSL | $1,466 |
| 300 CSL | $1,752 |
| 500 CSL | $1,960 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,236 |
| 20 | $4,782 |
| 30 | $2,862 |
| 40 | $2,824 |
| 50 | $2,698 |
| 60 | $2,672 |
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 | $68 |
| Multi-vehicle | $70 |
| Homeowner | $22 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $52 |
| Advance Quote | $60 |
| Online Quote | $90 |
| Total Discounts | $531 |
Discounts are estimated and may not be available from every company or in every state.
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