Kia Optima Hybrid Insurance Rates

Average insurance prices for a Kia Optima Hybrid are $1,310 every 12 months for full coverage insurance. Comprehensive insurance costs on average $242 a year, collision insurance costs $368, and liability insurance is $520. Liability-only coverage costs around $576 a year, and high-risk coverage costs $2,824 or more. Teenage drivers receive the highest rates at up to $5,108 a year.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Optima Hybrid trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

These examples illustrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Analysis

The chart below illustrates average Kia Optima Hybrid insurance rates for different risk profiles and scenarios.

• The best discount rate is $779
• Raising to $1,000 deductibles will save around $1,172 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,310
• Using low $100 deductibles costs an extra $268 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,824
• The cost to insure a teen driver may cost $5,108

View Chart as Image

Car insurance rates for a Kia Optima Hybrid can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Optima Hybrid.

Using high physical damage deductibles can reduce rates by up to $410 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Kia Optima Hybrid insurance rates. A middle-age driver might find rates as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for Cheap Kia Optima Hybrid Insurance

Saving money on Kia Optima Hybrid insurance consists of being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the coverage data touched on above.

• It is possible to save as much as $150 per year just by quoting early and online
• Increasing deductibles could save as much as $400 each year
• Teen drivers are expensive to insure, costing up to $426 per month if the policy includes full coverage
• High-risk drivers that tend to have accidents or serious violations pay on average $1,510 more each year to insure their Optima Hybrid