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 auto insurance rates for a Kia Optima Plug-In Hybrid are $1,602 annually for full coverage insurance. Comprehensive costs approximately $376 a year, collision insurance costs $626, and liability insurance costs around $420. Liability-only insurance costs as low as $494 a year, and high-risk driver insurance costs around $3,442. Teenage drivers pay the highest rates at up to $5,844 a year.
Average premium for full coverage: $1,602
Price estimates by individual coverage:
Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Optima Plug-In Hybrid trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia Optima Plug-In Hybrid insurance prices range from as cheap as $494 for liability-only coverage to a high of $3,442 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.
The ranges above illustrate why it is important to compare prices using their specific location and their own personal driving habits, rather than relying 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.
Additional Charts and Tables
The chart below illustrates average Kia Optima Plug-In Hybrid insurance rates for additional coverage and risk scenarios.
- The best discount rate is $926
- Using higher $1,000 deductibles will save $1,374 each year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,602
- Using low $100 deductibles for physical damage coverage will cost $2,042
- Drivers who are prone to accidents and violations could pay around $3,442
- The price with full coverage for a teen driver can cost $5,844 or more
Car insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $670 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $378 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Kia Optima Plug-In Hybrid insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,160 on average in Florida, New York, and Michigan.
| 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 Buy the Best Cheap Kia Optima Plug-In Hybrid Insurance
Getting lower rates on Kia Optima Plug-In Hybrid insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and attention to physical damage deductibles. Set aside time to shop around once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a quick review of the data that was raised in the charts and tables above.
- It is possible to save around $190 per year just by quoting early and online
- Drivers who purchase higher levels of liability will pay an extra $460 annually to increase from a low limit to higher 250/500 limits
- Teenage drivers pay the highest auto insurance prices, as much as $487 a month if comprehensive and collision insurance is included
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,840 more per year for auto 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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