Kia Optima Plug-In Hybrid Insurance Rates
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UPDATED: May 12, 2024
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Estimated insurance rates for a Kia Optima Plug-In Hybrid are $1,602 a year with full coverage. Comprehensive costs around $376, collision insurance costs $626, and liability is $420. Liability-only insurance costs around $494 a year, and high-risk driver insurance costs around $3,442. Teenage drivers pay the most at up to $5,844 a year.
Average premium for full coverage: $1,602
Premium estimates for type of coverage:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Optima Plug-In Hybrid trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Kia Optima Plug-In Hybrid range from as low as $494 for basic liability insurance to a much higher rate of $3,442 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of using 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 average Kia Optima Plug-In Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $926
- Raising to $1,000 deductibles will save about $228 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,602
- Using more expensive low deductibles will increase the cost to $2,042
- At-risk drivers who are prone to accidents and violations could pay at least $3,442
- An auto insurance policy for full coverage for a teen driver with full coverage can be $5,844
Insurance prices for a Kia Optima Plug-In Hybrid also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $5,800 a year. View Rates by Age
Where you choose to live also has a big influence on Kia Optima Plug-In Hybrid insurance prices. A middle-age driver might find prices as low as $1,150 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,160 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles can reduce prices by up to $670 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $378 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,900 to $2,600 additional annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 133% more than a normal policy. View High Risk Driver Rates
| 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 Find Affordable Kia Optima Plug-In Hybrid Insurance
Finding better rates on car insurance consists of avoiding accidents and violations, having a good credit history, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The list below is a brief review of the data that was raised in the charts and tables above.
- You may be able to save up to $190 per year just by shopping early and online
- Policyholders who may need higher liability limits will pay an extra $460 every year to raise from 30/60 bodily injury limits to 250/500 limits
- Teenagers are charged the highest prices, possibly costing $487 per month including comprehensive and collision insurance
- Higher risk drivers with DUI or reckless driving convictions pay an average of $1,840 more every year for car insurance
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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