Kia Optima Hybrid Insurance Rates

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UPDATED: May 13, 2024

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U.S. average insurance rates for a Kia Optima Hybrid are $1,310 a year with full coverage. Comprehensive insurance costs approximately $242, collision costs $368, and liability costs $520. Buying just liability costs as little as $576 a year, with insurance for high-risk drivers costing $2,824 or more. Teenage drivers pay the highest rates at $5,108 a year or more.

Average premium for full coverage: $1,310

Price estimates by individual coverage:

Comprehensive $242
Collision $368
Liability $520

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Optima Hybrid models.

Price Range from Low to High

For the average 40-year-old driver, Kia Optima Hybrid insurance prices go from the low end price of $576 for basic liability insurance to the much higher price of $2,824 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Your location can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

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

The ranges above demonstrate why everyone should compare rates using their specific location, instead of making a decision based 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.

Rate Comparisons

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

  • The best discount rate is $779
  • Drivers who choose higher $1,000 deductibles will pay $138 annually
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,310
  • Using pricier low deductibles for comprehensive and collision insurance will cost an additional $268 annually
  • Drivers who are prone to accidents and violations could pay around $2,824 or more
  • The price that insures a 16-year-old driver for full coverage can cost $5,108 a year

View Chart as Image

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

Insurance prices for a Kia Optima Hybrid are also quite variable based on the model of your Optima Hybrid, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,200 additional each year, depending on your age. Kia Optima Hybrid insurance for high-risk drivers can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

The state you live in makes a big difference in Kia Optima Hybrid insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,770 on average in New York, Michigan, and Florida.

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

Using high physical damage deductibles could save up to $410 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from multiple companies. Every company uses a different method to calculate prices, and prices may be quite different.

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 Best Kia Optima Hybrid Insurance

Getting lower rates on insurance for a Kia Optima Hybrid not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices at every policy renewal by getting rate quotes from direct companies, and also from local insurance agencies.

The following items are a brief recap of the data touched on in this article.

  • Insureds who purchase additional liability coverage will pay an extra $570 every year to go from a low limit to the 250/500 level
  • You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $400 each year
  • 16 to 18-year-old drivers are the costliest to insure, costing up to $426 a month if comprehensive and collision insurance is included

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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