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 for full coverage. Comprehensive costs around $376, collision insurance costs $626, and liability is estimated at $420. Liability-only insurance costs approximately $494 a year, and high-risk driver insurance costs around $3,442. Teen drivers pay the most at up to $5,844 a year.
Average premium for full coverage: $1,602
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 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 liability-only coverage to a much higher rate of $3,442 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of making a decision based on price 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 Charts and Tables
The chart below shows average Kia Optima Plug-In Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $926
- Choosing higher $1,000 deductibles can save about $228 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,602
- Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $2,042
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,442
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $5,844 each year
Insurance prices for a Kia Optima Plug-In Hybrid also have a wide range based on your driving characteristics, the trim level of your Optima Plug-In Hybrid, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Prices are highest 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 plays a big part in determining prices for Kia Optima Plug-In Hybrid insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Idaho, Maine, and Iowa, or as much as $2,280 on average in Michigan, Louisiana, 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% |
Choosing high deductibles can save as much as $670 annually, while increasing your policy's liability limits will increase prices. Going 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 could be paying at least $1,900 to $2,600 additional annually, depending on your age. High-risk driver insurance ranges from 44% to 133% more than average. 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 the Best Cheap Kia Optima Plug-In Hybrid Insurance
Finding better rates on insurance for a Kia Optima Plug-In Hybrid takes avoiding accidents and claims, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The points below are a quick review of the material that was raised in the charts and tables above.
- Insureds who may need increased liability limits will pay about $460 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
- Drivers under the age of 20 are charged the highest prices, as much as $487 per month including comprehensive and collision insurance
- Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,840 more every year to insure a Kia Optima Plug-In Hybrid
- Increasing policy deductibles can save around $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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