Kia Optima Hybrid Insurance Rates

Estimated insurance rates for a Kia Optima Hybrid are $1,284 a year for full coverage insurance. Comprehensive costs approximately $234, collision costs $346, and liability coverage costs around $524. Liability-only coverage costs as low as $580 a year, with high-risk coverage costing around $2,766. Teenage drivers pay the most at $5,028 a year or more.

Average premium for full coverage: $1,284

Premium estimates by type of coverage:

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for different Optima Hybrid trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Kia Optima Hybrid insurance rates for additional coverage and risk scenarios.

• The best discount rate is $767
• Using higher $1,000 deductibles will save $132 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,284
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,536
• Higher-risk drivers who are prone to accidents and violations could pay around $2,766 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost $5,028 or more

View Chart as Image

Insurance prices for a Kia Optima Hybrid also have a wide range based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be around 42% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Optima Hybrid insurance rates. A driver around age 40 might see prices as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $390 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $471 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

How to Find Affordable Kia Optima Hybrid Insurance

Finding better rates on auto insurance requires having a good driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices every time your policy renews by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a brief review of the information covered above.

• It is possible to save around $150 per year simply by shopping early and online
• Drivers age 20 and younger are expensive to insure, with premiums being up to $419 per month if full coverage is included
• Increasing policy deductibles can save approximately $375 each year
• Drivers with DUI or reckless driving convictions could be charged and average of $1,480 more per year to buy Kia Optima Hybrid insurance
• Consumers who purchase increased levels of liability coverage will pay an extra $580 annually to increase from 30/60 bodily injury limits to the 250/500 level