Kia Optima Hybrid Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: May 13, 2024
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U.S. average insurance prices for a Kia Optima Hybrid are $1,284 every 12 months for full coverage insurance. Comprehensive insurance costs around $234 a year, collision costs $346, and liability costs around $524. Buying just liability costs as low as $580 a year, with insurance for high-risk drivers costing $2,766 or more. Teen drivers pay the highest rates at $5,028 a year or more.
Average premium for full coverage: $1,284
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Optima Hybrid trim levels.
Price Range from Low to High
For the normal driver, Kia Optima Hybrid insurance prices go from the cheapest price of $580 for a discount liability-only rate to a high of $2,766 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance rates.
The ranges above illustrate why it is important to compare prices for a specific zip code and their own driving history, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below illustrates estimated Kia Optima Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $767
- Using higher $1,000 deductibles will save about $1,152 each year
- The average price for the average middle-age driver using $500 deductibles is $1,284
- Choosing low $100 deductibles for physical damage coverage costs an extra $252 annually
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,766 or more
- The price to insure a 16-year-old driver can be $5,028 or more
Insurance prices for a Kia Optima Hybrid are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Choosing high deductibles could cut prices by as much as $390 annually, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $471 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can be from 42% to 130% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Kia Optima Hybrid insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,730 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,158 | -$126 | -9.8% |
| Alaska | $982 | -$302 | -23.5% |
| Arizona | $1,066 | -$218 | -17.0% |
| Arkansas | $1,284 | -$0 | 0.0% |
| California | $1,462 | $178 | 13.9% |
| Colorado | $1,224 | -$60 | -4.7% |
| Connecticut | $1,318 | $34 | 2.6% |
| Delaware | $1,452 | $168 | 13.1% |
| Florida | $1,606 | $322 | 25.1% |
| Georgia | $1,184 | -$100 | -7.8% |
| Hawaii | $920 | -$364 | -28.3% |
| Idaho | $870 | -$414 | -32.2% |
| Illinois | $956 | -$328 | -25.5% |
| Indiana | $968 | -$316 | -24.6% |
| Iowa | $866 | -$418 | -32.6% |
| Kansas | $1,218 | -$66 | -5.1% |
| Kentucky | $1,750 | $466 | 36.3% |
| Louisiana | $1,900 | $616 | 48.0% |
| Maine | $794 | -$490 | -38.2% |
| Maryland | $1,056 | -$228 | -17.8% |
| Massachusetts | $1,024 | -$260 | -20.2% |
| Michigan | $2,228 | $944 | 73.5% |
| Minnesota | $1,076 | -$208 | -16.2% |
| Mississippi | $1,538 | $254 | 19.8% |
| Missouri | $1,138 | -$146 | -11.4% |
| Montana | $1,378 | $94 | 7.3% |
| Nebraska | $1,012 | -$272 | -21.2% |
| Nevada | $1,540 | $256 | 19.9% |
| New Hampshire | $924 | -$360 | -28.0% |
| New Jersey | $1,434 | $150 | 11.7% |
| New Mexico | $1,134 | -$150 | -11.7% |
| New York | $1,352 | $68 | 5.3% |
| North Carolina | $738 | -$546 | -42.5% |
| North Dakota | $1,050 | -$234 | -18.2% |
| Ohio | $886 | -$398 | -31.0% |
| Oklahoma | $1,316 | $32 | 2.5% |
| Oregon | $1,174 | -$110 | -8.6% |
| Pennsylvania | $1,222 | -$62 | -4.8% |
| Rhode Island | $1,712 | $428 | 33.3% |
| South Carolina | $1,164 | -$120 | -9.3% |
| South Dakota | $1,082 | -$202 | -15.7% |
| Tennessee | $1,122 | -$162 | -12.6% |
| Texas | $1,546 | $262 | 20.4% |
| Utah | $948 | -$336 | -26.2% |
| Vermont | $878 | -$406 | -31.6% |
| Virginia | $768 | -$516 | -40.2% |
| Washington | $990 | -$294 | -22.9% |
| West Virginia | $1,176 | -$108 | -8.4% |
| Wisconsin | $888 | -$396 | -30.8% |
| Wyoming | $1,144 | -$140 | -10.9% |
Since prices can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Optima Hybrid | $282 | $474 | $510 | $1,446 |
| 2019 Kia Optima Hybrid | $270 | $446 | $514 | $1,410 |
| 2018 Kia Optima Hybrid | $258 | $400 | $520 | $1,358 |
| 2017 Kia Optima Hybrid | $242 | $368 | $520 | $1,310 |
| 2016 Kia Optima Hybrid | $234 | $346 | $524 | $1,284 |
| 2015 Kia Optima Hybrid | $228 | $322 | $534 | $1,264 |
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 Shop for Affordable Kia Optima Hybrid Insurance
Getting lower rates on insurance for a Kia Optima Hybrid requires being safe and accident-free, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to compare rates at every other renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a brief review of the concepts that were presented in the illustrations above.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,480 more every year than a low-risk driver
- Youthful drivers are charged the highest prices, as much as $419 a month if full coverage is included
- It is possible to save up to $150 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $375 each year
- It is possible to save up to $150 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,028 |
| 20 | $2,936 |
| 30 | $1,316 |
| 40 | $1,284 |
| 50 | $1,178 |
| 60 | $1,152 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,536 |
| $250 | $1,420 |
| $500 | $1,284 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,284 |
| 50/100 | $1,389 |
| 100/300 | $1,520 |
| 250/500 | $1,860 |
| 100 CSL | $1,441 |
| 300 CSL | $1,729 |
| 500 CSL | $1,939 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,118 |
| 20 | $4,680 |
| 30 | $2,798 |
| 40 | $2,766 |
| 50 | $2,638 |
| 60 | $2,614 |
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 | $66 |
| Multi-vehicle | $68 |
| Homeowner | $22 |
| 5-yr Accident Free | $83 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $50 |
| Advance Quote | $59 |
| Online Quote | $88 |
| Total Discounts | $517 |
Discounts are estimated and may not be available from every company or in every state.
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