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...
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UPDATED: May 13, 2024
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Estimated auto insurance rates for a Kia Optima Hybrid are $1,284 annually including full coverage. Comprehensive insurance costs around $234, collision costs $346, and liability insurance costs around $524. A policy with only liability insurance costs as low as $580 a year, with a high-risk policy costing $2,766 or more. Teenage drivers pay the most at $5,028 a year or more.
Average premium for full coverage: $1,284
Premium estimates for type of coverage:
Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Optima Hybrid models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Kia Optima Hybrid go from as cheap as $580 for liability-only coverage to the much higher price of $2,766 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities.
The example below illustrates the effect of geographic area on auto insurance rates.
These rate differences highlight why everyone should compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.
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 Charts and Tables
The chart below breaks down estimated Kia Optima Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $767
- Using higher $1,000 deductibles will save about $132 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,284
- Using pricier low deductibles for physical damage coverage costs an additional $252 a year
- Drivers who are prone to accidents and violations could pay at least $2,766 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can be $5,028 or more
Car insurance prices for a Kia Optima Hybrid also have a wide range based on the model of your Optima Hybrid, your driving characteristics, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 extra annually, depending on your age. Kia Optima Hybrid insurance for high-risk drivers can be anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $390 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $471 extra every 12 months. View Rates by Deductible or Liability Limit
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 $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,830 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out your exact price is to regularly compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different between companies.
| 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 Buy Low Cost Kia Optima Hybrid Insurance
Finding better rates on Kia Optima Hybrid insurance requires being a good driver, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Take the time to compare rates at least every other year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The following list is a review of the car insurance concepts covered in the above illustrations.
- High-risk drivers who have several accidents or serious violations may pay on average $1,480 more every year than a safer driver
- You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $375 each year
- Drivers who may need an increased level of liability coverage will pay an extra $580 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
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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