Kia Optima Plug-In 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 12, 2024
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Average insurance prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months for full coverage insurance. Comprehensive costs around $376, collision costs $626, and liability is $420. Liability-only coverage costs around $494 a year, with high-risk coverage costing around $3,442. 16-year-old drivers receive the highest rates at $5,844 a year or more.
Average premium for full coverage: $1,602
Rate estimates for individual coverage type:
Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for all Optima Plug-In Hybrid models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $494 for minimum levels of liability insurance to the much higher price of $3,442 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than congested cities.
The example below illustrates how geographic area affects auto insurance rates.
These examples illustrate why everyone should compare rates quotes for a specific zip code and their own driving history, instead of using 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.
Additional Rate Details
The chart below illustrates estimated Kia Optima Plug-In Hybrid insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $926
- Raising to $1,000 deductibles will save about $228 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,602
- Buying pricier low deductibles increases the price to $2,042
- At-risk drivers with multiple tickets or accidents could pay at least $3,442 or more
- The cost to insure a teen driver for full coverage can be $5,844
Car insurance rates for a Kia Optima Plug-In Hybrid can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $670 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $378 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $5,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,900 to $2,600 extra per year, depending on your age. Kia Optima Plug-In Hybrid insurance for high-risk drivers is expensive and can cost as much as 44% to 133% more than the average rate. View High Risk Driver Rates
Where you live also has a big influence on Kia Optima Plug-In Hybrid insurance prices. A middle-age driver might find rates as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,160 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,446 | -$156 | -9.7% |
| Alaska | $1,228 | -$374 | -23.3% |
| Arizona | $1,330 | -$272 | -17.0% |
| Arkansas | $1,602 | -$0 | 0.0% |
| California | $1,826 | $224 | 14.0% |
| Colorado | $1,528 | -$74 | -4.6% |
| Connecticut | $1,644 | $42 | 2.6% |
| Delaware | $1,814 | $212 | 13.2% |
| Florida | $2,004 | $402 | 25.1% |
| Georgia | $1,480 | -$122 | -7.6% |
| Hawaii | $1,148 | -$454 | -28.3% |
| Idaho | $1,086 | -$516 | -32.2% |
| Illinois | $1,192 | -$410 | -25.6% |
| Indiana | $1,210 | -$392 | -24.5% |
| Iowa | $1,080 | -$522 | -32.6% |
| Kansas | $1,522 | -$80 | -5.0% |
| Kentucky | $2,184 | $582 | 36.3% |
| Louisiana | $2,372 | $770 | 48.1% |
| Maine | $990 | -$612 | -38.2% |
| Maryland | $1,322 | -$280 | -17.5% |
| Massachusetts | $1,278 | -$324 | -20.2% |
| Michigan | $2,780 | $1,178 | 73.5% |
| Minnesota | $1,342 | -$260 | -16.2% |
| Mississippi | $1,918 | $316 | 19.7% |
| Missouri | $1,420 | -$182 | -11.4% |
| Montana | $1,720 | $118 | 7.4% |
| Nebraska | $1,262 | -$340 | -21.2% |
| Nevada | $1,922 | $320 | 20.0% |
| New Hampshire | $1,156 | -$446 | -27.8% |
| New Jersey | $1,790 | $188 | 11.7% |
| New Mexico | $1,418 | -$184 | -11.5% |
| New York | $1,686 | $84 | 5.2% |
| North Carolina | $922 | -$680 | -42.4% |
| North Dakota | $1,312 | -$290 | -18.1% |
| Ohio | $1,106 | -$496 | -31.0% |
| Oklahoma | $1,644 | $42 | 2.6% |
| Oregon | $1,466 | -$136 | -8.5% |
| Pennsylvania | $1,526 | -$76 | -4.7% |
| Rhode Island | $2,138 | $536 | 33.5% |
| South Carolina | $1,452 | -$150 | -9.4% |
| South Dakota | $1,354 | -$248 | -15.5% |
| Tennessee | $1,402 | -$200 | -12.5% |
| Texas | $1,928 | $326 | 20.3% |
| Utah | $1,184 | -$418 | -26.1% |
| Vermont | $1,098 | -$504 | -31.5% |
| Virginia | $958 | -$644 | -40.2% |
| Washington | $1,234 | -$368 | -23.0% |
| West Virginia | $1,470 | -$132 | -8.2% |
| Wisconsin | $1,108 | -$494 | -30.8% |
| Wyoming | $1,426 | -$176 | -11.0% |
With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Kia Optima Plug-In Hybrid | $268 | $422 | $520 | $1,390 |
Rates are averaged for all Kia Optima Plug-In 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 Shop for the Best Kia Optima Plug-In Hybrid Insurance
Saving money on car insurance consists of being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a brief recap of the material that was presented in the illustrations above.
- Policyholders who may need higher levels of liability will pay around $460 annually to raise from a minimum limit to a 250/500 level
- Teenage drivers are the costliest to insure, costing up to $487 per month if the policy includes full coverage
- Higher risk drivers who tend to receive serious violations may pay on average $1,840 more every year for auto insurance
- Increasing deductibles could save as much as $675 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,844 |
| 20 | $3,664 |
| 30 | $1,676 |
| 40 | $1,602 |
| 50 | $1,460 |
| 60 | $1,432 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,042 |
| $250 | $1,838 |
| $500 | $1,602 |
| $1,000 | $1,374 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,602 |
| 50/100 | $1,686 |
| 100/300 | $1,791 |
| 250/500 | $2,064 |
| 100 CSL | $1,728 |
| 300 CSL | $1,959 |
| 500 CSL | $2,127 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,348 |
| 20 | $5,818 |
| 30 | $3,524 |
| 40 | $3,442 |
| 50 | $3,278 |
| 60 | $3,250 |
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 | $85 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $114 |
| Total Discounts | $676 |
Discounts are estimated and may not be available from every company or in every state.
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