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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U.S. average insurance prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months for full coverage. Comprehensive insurance costs on average $376 each year, collision costs $626, and liability is $420. Buying just liability costs around $494 a year, with insurance for high-risk drivers costing $3,442 or more. Teenage drivers pay the highest rates at $5,844 a year or more.
Average premium for full coverage: $1,602
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Optima Plug-In Hybrid models.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia Optima Plug-In Hybrid insurance prices go from the cheapest price of $494 for your basic liability-only policy to a high rate of $3,442 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities.
The graphic below illustrates how rural and urban location affects car insurance rates.
The ranges above show why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on 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.
More Rate Information
The chart below shows estimated Kia Optima Plug-In Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $926
- Raising to $1,000 deductibles will save around $228 a year
- The average price for the average middle-age driver with $500 deductibles is $1,602
- Using low deductibles costs an extra $440 annually
- Drivers who are prone to accidents and violations could pay upwards of $3,442 or more
- The price to insure a 16-year-old driver may cost $5,844
Insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Optima Plug-In Hybrid.
Using high physical damage deductibles can reduce prices by up to $670 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $378 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,900 to $2,600 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Kia Optima Plug-In Hybrid insurance prices. A middle-age driver might find prices as low as $1,060 a year in states like Idaho, Maine, and Iowa, or be forced to pay 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% |
Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Kia Optima Plug-In Hybrid | $268 | $422 | $520 | $1,390 |
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 the Right Kia Optima Plug-In Hybrid Insurance
Getting lower rates on insurance for a Kia Optima Plug-In Hybrid consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around every year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following items are a quick rundown of the coverage data raised in the charts and tables above.
- Drivers can save as much as $190 per year simply by quoting online in advance
- Increasing physical damage deductibles could save as much as $675 each year
- 16 to 18-year-old drivers pay higher prices, with premiums as much as $487 a month if full coverage is included
- Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,840 more each year than a driver with a clean driving record
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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