Kia Optima Hybrid Insurance Rates

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UPDATED: May 13, 2024

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The average insurance rates for a Kia Optima Hybrid are $1,310 a year with full coverage. Comprehensive costs around $242, collision insurance costs $368, and liability costs around $520. Liability-only insurance costs as low as $576 a year, and high-risk driver insurance costs around $2,824. 16-year-old drivers cost the most to insure at up to $5,108 a year.

Average premium for full coverage: $1,310

Policy rates for type of insurance:

Comprehensive $242
Collision $368
Liability $520

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different Optima Hybrid trim levels.

Price Range Variability

For the average 40-year-old driver, Kia Optima Hybrid insurance rates range from the low end price of $576 for a discount liability-only rate to a much higher rate of $2,824 for a driver who has had serious violations or accidents.

Liability Only $576
Full Coverage $1,310
High Risk $2,824

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than congested cities. The price range example below illustrates the difference location can make on auto insurance rates.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code, instead of making a decision based on rate 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 details average Kia Optima Hybrid insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $779
  • Using higher $1,000 deductibles will save about $138 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,310
  • Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,578
  • High-risk insureds with multiple tickets or accidents could pay at least $2,824
  • Policy cost that insures a 16-year-old driver with full coverage can be $5,108 or more

View Chart as Image

Kia Optima Hybrid insurance cost comparison chart
Column chart showing Kia Optima Hybrid insurance rates range from $779 to $5,108 for full coverage

Auto insurance rates for a Kia Optima Hybrid also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can be from 43% to 128% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $5,100 a year. View Rates by Age

Your home state has a huge impact on Kia Optima Hybrid insurance prices. A driver around age 40 might see rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or at least $1,770 on average in Florida, Michigan, and New York.

Kia Optima Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,182 -$128 -9.8%
Alaska $1,004 -$306 -23.4%
Arizona $1,088 -$222 -16.9%
Arkansas $1,310 -$0 0.0%
California $1,492 $182 13.9%
Colorado $1,248 -$62 -4.7%
Connecticut $1,344 $34 2.6%
Delaware $1,482 $172 13.1%
Florida $1,638 $328 25.0%
Georgia $1,210 -$100 -7.6%
Hawaii $940 -$370 -28.2%
Idaho $888 -$422 -32.2%
Illinois $974 -$336 -25.6%
Indiana $988 -$322 -24.6%
Iowa $884 -$426 -32.5%
Kansas $1,244 -$66 -5.0%
Kentucky $1,784 $474 36.2%
Louisiana $1,940 $630 48.1%
Maine $810 -$500 -38.2%
Maryland $1,080 -$230 -17.6%
Massachusetts $1,046 -$264 -20.2%
Michigan $2,272 $962 73.4%
Minnesota $1,096 -$214 -16.3%
Mississippi $1,570 $260 19.8%
Missouri $1,160 -$150 -11.5%
Montana $1,406 $96 7.3%
Nebraska $1,032 -$278 -21.2%
Nevada $1,572 $262 20.0%
New Hampshire $944 -$366 -27.9%
New Jersey $1,464 $154 11.8%
New Mexico $1,158 -$152 -11.6%
New York $1,380 $70 5.3%
North Carolina $756 -$554 -42.3%
North Dakota $1,074 -$236 -18.0%
Ohio $902 -$408 -31.1%
Oklahoma $1,344 $34 2.6%
Oregon $1,200 -$110 -8.4%
Pennsylvania $1,248 -$62 -4.7%
Rhode Island $1,748 $438 33.4%
South Carolina $1,186 -$124 -9.5%
South Dakota $1,104 -$206 -15.7%
Tennessee $1,144 -$166 -12.7%
Texas $1,578 $268 20.5%
Utah $966 -$344 -26.3%
Vermont $898 -$412 -31.5%
Virginia $782 -$528 -40.3%
Washington $1,010 -$300 -22.9%
West Virginia $1,200 -$110 -8.4%
Wisconsin $906 -$404 -30.8%
Wyoming $1,166 -$144 -11.0%

View Chart as Image

Kia Optima Hybrid insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $410 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Kia Optima Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Optima Hybrid $292 $512 $500 $1,484
2019 Kia Optima Hybrid $282 $474 $510 $1,446
2018 Kia Optima Hybrid $270 $446 $514 $1,410
2017 Kia Optima Hybrid $258 $400 $520 $1,358
2016 Kia Optima Hybrid $242 $368 $520 $1,310
2015 Kia Optima Hybrid $234 $346 $524 $1,284

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 Find the Cheapest Kia Optima Hybrid Insurance

Finding cheaper rates on insurance for a Kia Optima Hybrid requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Comparison shop every other policy renewal by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a recap of the ideas that were touched on in this article.

  • Teenagers are expensive to insure, as much as $426 each month if the policy includes full coverage
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,510 more every year for car insurance
  • Increasing comprehensive and collision deductibles can save approximately $400 each year
  • You may be able to save up to $150 per year just by shopping early and online

Rates by Driver Age

Kia Optima Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $5,108
20 $3,000
30 $1,344
40 $1,310
50 $1,200
60 $1,174

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,578
$250 $1,454
$500 $1,310
$1,000 $1,172

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,310
50/100 $1,414
100/300 $1,544
250/500 $1,882
100 CSL $1,466
300 CSL $1,752
500 CSL $1,960

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $7,236
20 $4,782
30 $2,862
40 $2,824
50 $2,698
60 $2,672

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.

SR-22 Surcharge $178

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $70
Homeowner $22
5-yr Accident Free $86
5-yr Claim Free $83
Paid in Full/EFT $52
Advance Quote $60
Online Quote $90
Total Discounts $531
Rate after discounts $779

Discounts are estimated and may not be available from every company or in every state.

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