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...
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. Comprehensive costs an estimated $234, collision costs $346, and liability insurance is estimated at $524. Liability-only insurance costs approximately $580 a year, with high-risk driver insurance costing around $2,766. Teen drivers pay the highest rates at $5,028 a year or more.
Average premium for full coverage: $1,284
Price estimates broken down by individual coverage:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Optima Hybrid models.
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 the much higher price of $2,766 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. More rural locations have more infrequent accident claims than larger metro areas.
The example below illustrates how geographic area affects insurance prices.
The ranges above show why everyone should get quotes for a targeted area and their own driving history, rather than relying 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 shows estimated Kia Optima Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $767
- Choosing higher $1,000 deductibles can save approximately $132 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,284
- Choosing pricier low deductibles for comp and collision coverage increases the price to $1,536
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,766 or more
- The price to insure a teen driver for full coverage can cost as much as $5,028 each year
Car insurance prices for a Kia Optima Hybrid are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing high deductibles can save as much as $390 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $471 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $5,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,100 extra each year, depending on your age. Kia Optima Hybrid insurance for high-risk drivers ranges anywhere from 42% to 130% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Kia Optima Hybrid insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.
| 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 know which car insurance is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes 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 Low Cost Kia Optima Hybrid Insurance
Getting lower rates on Kia Optima Hybrid insurance takes being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a review of the information presented in the illustrations above.
- Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 have the highest car insurance prices, with premiums as much as $419 a month if the policy includes full coverage
- Increasing physical damage deductibles could save as much as $375 each year
- High-risk drivers who have several accidents or serious violations pay on average $1,480 more annually than a safer driver
- Drivers who want an increased level of liability coverage will pay about $580 each year to raise limits from a low limit to a 250/500 level
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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