Kia Optima Plug-In Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: May 12, 2024
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The average insurance prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months including full coverage. Comprehensive costs on average $376, collision costs $626, and liability costs $420. Liability-only insurance costs as little as $494 a year, with high-risk driver insurance costing around $3,442. 16-year-old drivers cost the most to insure at $5,844 a year or more.
Average premium for full coverage: $1,602
Policy rates by type of insurance:
Price estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Optima Plug-In Hybrid models.
Price Range Variability
Using a 40-year-old driver as an example, Kia Optima Plug-In Hybrid insurance rates go from the cheapest price of $494 for basic liability insurance to the much higher price of $3,442 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.
The example below illustrates how rural and urban location affects car insurance rates.
The examples above highlight why everyone should compare rates based on a specific location and their own driving history, 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.
Rate Comparisons
The chart below breaks down estimated Kia Optima Plug-In Hybrid insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $926
- Drivers who choose higher $1,000 deductibles will pay around $228 every year
- The average price for a good driver age 40 with $500 deductibles is $1,602
- Buying pricier low deductibles for comprehensive and collision insurance increases the price to $2,042
- Drivers with multiple tickets or accidents could pay upwards of $3,442 or more
- Policy cost to insure a 16-year-old driver for full coverage may cost $5,844 a year
Auto insurance rates for a Kia Optima Plug-In Hybrid also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Optima Plug-In Hybrid.
Opting for high physical damage deductibles could save up to $670 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $378 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $5,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,900 to $2,600 in extra premium every year, depending on your age. Kia Optima Plug-In Hybrid insurance for high-risk drivers can cost from 44% to 133% more than the average rate. View High Risk Driver Rates
Your home state makes a big difference in Kia Optima Plug-In Hybrid insurance prices. A 40-year-old driver could pay as low as $1,230 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,280 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, and quoted rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Kia Optima Plug-In Hybrid | $250 | $388 | $520 | $1,338 |
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 Cheaper Kia Optima Plug-In Hybrid Insurance
Finding cheaper rates on insurance for a Kia Optima Plug-In Hybrid not only requires not taking risks behind the wheel, but also having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The following is a condensed summary of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,840 more each year for Optima Plug-In Hybrid insurance
- You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $675 each year
- Insureds who require higher liability limits will pay around $460 per year to go from a 30/60 limit to a 250/500 level
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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