Kia Optima Plug-In Hybrid Insurance Rates
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Michelle Robbins
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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 with full coverage. Comprehensive insurance costs on average $376 a year, collision insurance costs $626, and liability insurance is $420. Buying just liability costs around $494 a year, and insurance for high-risk drivers costs $3,442 or more. 16-year-old drivers receive the highest rates at up to $5,844 a year.
Average premium for full coverage: $1,602
Rate estimates by individual coverage type:
Full coverage includes $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Optima Plug-In Hybrid trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from the cheapest price of $494 for just the minimum liability insurance to a high of $3,442 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities. The diagram below illustrates the effect of geographic area on car insurance rates.
These examples demonstrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying 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.
Additional Rate Analysis
The chart below details average Kia Optima Plug-In Hybrid insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $926
- Raising to $1,000 deductibles will save around $1,374 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,602
- Buying low $100 deductibles costs an extra $440 a year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,442
- The cost to insure a teen driver may cost $5,844
Auto insurance rates for a Kia Optima Plug-In Hybrid can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Optima Plug-In Hybrid.
Opting for high physical damage deductibles can reduce rates by up to $670 each year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $378 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could 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 have to pay upwards of $5,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,900 to $2,600 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 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 rates. A middle-age driver might find rates as low as $1,150 a year in states like New Hampshire, Ohio, and Utah, or at least $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% |
| 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 More Affordable Kia Optima Plug-In Hybrid Insurance
Saving money on Kia Optima Plug-In Hybrid insurance consists of not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a summary of the data that was covered in the above illustrations.
- You may be able to save as much as $190 per year just by quoting early and online
- Drivers who require higher liability limits will pay around $460 every year to raise from a minimum limit to a 250/500 level
- Teens are charged the highest rates, with premiums as much as $487 per month if comprehensive and collision insurance is included
- High-risk drivers who have multiple accidents or major violations may pay on average $1,840 more each year for Optima Plug-In Hybrid 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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