Kia Optima Hybrid Insurance Rates
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UPDATED: May 13, 2024
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Estimated insurance rates for a Kia Optima Hybrid are $1,310 a year for full coverage insurance. Comprehensive costs on average $242, collision costs $368, and liability coverage costs $520. Liability-only coverage costs as little as $576 a year, with high-risk coverage costing around $2,824. Teen drivers pay the most at $5,108 a year or more.
Average premium for full coverage: $1,310
Premium estimates by type of coverage:
Rate estimates include $500 deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all Optima Hybrid models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Kia Optima Hybrid go from as low as $576 for liability-only coverage to the much higher price of $2,824 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a large influence on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than larger metro areas.
The example below illustrates how rural and urban location affects car insurance rates.
These rate differences illustrate why everyone should compare rates based on a specific location and risk profile, rather than using 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.
Additional Charts and Tables
The chart below illustrates estimated Kia Optima Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $779
- Drivers who choose higher $1,000 deductibles will pay around $138 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,310
- Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,578
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,824 or more
- An auto insurance policy for full coverage for a teenage driver for full coverage may cost $5,108 a year
Insurance prices for a Kia Optima Hybrid also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $5,100 a year. View Rates by Age
Where you choose to live makes a big difference in Kia Optima Hybrid insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,770 on average in Michigan, New York, and Florida.
| 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% |
Choosing high deductibles could save up to $410 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,200 extra annually, depending on your age. Kia Optima Hybrid insurance for high-risk drivers can cost around 43% to 128% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, so the prices will be substantially different from one company to the next.
| 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
Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to shop around every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following is a brief recap of the coverage data raised in the charts and tables above.
- It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $400 each year
- Teens pay the highest prices, with premiums being up to $426 per month for full coverage
- Drivers who tend to receive serious violations pay an average of $1,510 more each year for Optima Hybrid insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,578 |
| $250 | $1,454 |
| $500 | $1,310 |
| $1,000 | $1,172 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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