Kia Optima Plug-In Hybrid Insurance Rates

Average insurance rates for a Kia Optima Plug-In Hybrid are $1,602 a year with full coverage. Comprehensive costs on average $376 a year, collision insurance costs $626, and liability costs $420. A liability-only policy costs as little as $494 a year, and high-risk insurance costs around $3,442. Teenage 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:

Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Optima Plug-In Hybrid trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

These examples demonstrate why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details average Kia Optima Plug-In Hybrid insurance rates for different risk profiles and scenarios.

• The best discount rate is $926
• Drivers who choose higher $1,000 deductibles will pay around $1,374 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,602
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,042
• Drivers who are prone to accidents and violations could pay upwards of $3,442
• The cost for full coverage for a 16-year-old driver may cost $5,844 a year

View Chart as Image

Insurance rates for a Kia Optima Plug-In Hybrid can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $5,800 a year. View Rates by Age

Where you live makes a big difference in Kia Optima Plug-In Hybrid insurance prices. A 40-year-old driver could pay 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.

View Chart as Image

Using high physical damage deductibles could save up to $670 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $378 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates

How to Find the Right Kia Optima Plug-In Hybrid Insurance

Saving money on insurance for a Kia Optima Plug-In Hybrid not only requires being a safe and courteous driver, but also maintaining good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around at least every other year by getting price quotes from direct companies like GEICO and Progressive, and also from local insurance agents.

Below is a quick rundown of the car insurance concepts touched on above.

• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,840 more each year for auto insurance
• You may be able to save as much as $190 per year just by quoting early and online
• Increasing deductibles can save around $675 each year
• Insureds who require higher levels of liability will pay an extra $460 every year to go from a minimum limit to 250/500 limits