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 insurance rates for a Kia Optima Plug-In Hybrid are $1,602 a year with full coverage. Comprehensive costs around $376, collision costs $626, and liability is estimated at $420. A liability-only policy costs approximately $494 a year, with high-risk insurance costing around $3,442. 16-year-old drivers receive the highest rates at $5,844 a year or more.
Average premium for full coverage: $1,602
Rate estimates for individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Optima Plug-In Hybrid models.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $494 for liability-only coverage to the much higher price of $3,442 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than congested cities.
The example below illustrates how location impacts auto insurance rates.
These examples demonstrate why everyone should get quotes for a specific zip code and risk profile, instead of making a decision based on rate 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 details estimated Kia Optima Plug-In Hybrid insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $926
- Choosing higher $1,000 deductibles can save about $228 annually
- The average rate for a 40-year-old driver using $500 deductibles is $1,602
- Buying pricier low deductibles for comp and collision coverage will increase the cost to $2,042
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,442 or more
- The cost for full coverage for a 16-year-old driver for full coverage can be $5,844 each year
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 deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as low as $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $5,800 a year. View Rates by Age
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 $1,150 a year in states like New Hampshire, Ohio, and Utah, or at least $2,160 on average in Florida, Michigan, 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% |
Opting for high physical damage deductibles can save as much as $670 annually, whereas buying more liability protection will increase rates. 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 least $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 the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to find out your exact price is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, so the rates can be significantly different from one company to the next.
| 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 Kia Optima Plug-In Hybrid Insurance
Saving money on insurance for a Kia Optima Plug-In Hybrid takes having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around at every other renewal by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following items are a brief recap of the concepts that were touched on above.
- Drivers considered higher risk who tend to receive serious violations pay an average of $1,840 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers pay higher rates, with premiums as much as $487 per month for full coverage
- You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save around $675 each year
- You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date
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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