Kia Optima Plug-In Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: May 12, 2024
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Average auto insurance rates for a Kia Optima Plug-In Hybrid are $1,602 annually including full coverage. Comprehensive costs an estimated $376, collision insurance costs $626, and liability is estimated at $420. Liability-only coverage costs approximately $494 a year, and high-risk coverage costs around $3,442. Teen drivers receive the highest rates at up to $5,844 a year.
Average premium for full coverage: $1,602
Rate estimates broken down by individual coverage type:
These estimates include $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Optima Plug-In Hybrid models.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $494 for a discount liability-only rate to the much higher price of $3,442 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts insurance prices.
These examples highlight why everyone should get quotes for a targeted area and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below breaks down average Kia Optima Plug-In Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $926
- Choosing higher $1,000 deductibles can save approximately $228 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,602
- Choosing pricier low deductibles for comp and collision coverage will cost $2,042
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,442
- The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,844 each year
Car insurance rates for a Kia Optima Plug-In Hybrid can also vary considerably based on the trim level of your Optima Plug-In Hybrid, your driving characteristics, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,900 to $2,600 extra per year, depending on your age. Kia Optima Plug-In Hybrid insurance for high-risk drivers ranges from 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $670 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $378 extra every 12 months. View Rates by Deductible or Liability Limit
Where you 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 $1,230 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,280 on average in Louisiana, 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 | $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 Buy Cheap Kia Optima Plug-In Hybrid Insurance
Saving money on insurance for a Kia Optima Plug-In Hybrid takes not taking risks behind the wheel, having a good credit score, not filing small claims, and possibly higher deductibles. Spend time shopping around every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following is a brief summary of the information touched on above.
- You may be able to save approximately $190 per year just by quoting online well ahead of the renewal date
- Teens have the highest car insurance rates, as much as $487 per month if comprehensive and collision insurance is included
- Increasing deductibles could save up to $675 each year
- Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,840 more annually for Optima Plug-In Hybrid insurance
- Insureds who want higher liability limits will pay about $460 per year to raise limits from a minimum limit to higher 250/500 limits
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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