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 rates for a Kia Optima Plug-In Hybrid are $1,602 a year for full coverage. Comprehensive costs an estimated $376, collision insurance costs $626, and liability insurance costs $420. Buying just liability costs as little as $494 a year, and insurance for high-risk drivers costs around $3,442. Teen drivers pay the highest rates at up to $5,844 a year.
Average premium for full coverage: $1,602
Price estimates broken down by individual coverage:
These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all Optima Plug-In Hybrid models.
Price Range from Low to High
Using a middle-aged driver as an example, Kia Optima Plug-In Hybrid insurance prices range from as low as $494 for your basic liability-only policy to the much higher price of $3,442 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas. The example below illustrates how where you live affects insurance prices.
The ranges above show why everyone should compare rates for a targeted area and risk profile, rather than relying 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.
More Rate Information
The chart below shows average Kia Optima Plug-In Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $926
- Drivers who choose higher $1,000 deductibles will pay approximately $228 a year
- The average rate for the average middle-age driver who has $500 deductibles is $1,602
- Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,042
- High risk drivers with multiple violations and an at-fault accident could pay up to $3,442
- The price for full coverage for a teen driver for full coverage can cost as much as $5,844 a year
Insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on your driving record, the trim level of your Optima Plug-In Hybrid, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $5,800 a year. View Rates by Age
The state you live in makes a big difference in Kia Optima Plug-In Hybrid insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Iowa, Maine, and Idaho, or as much as $2,280 on average in New York, Louisiana, 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% |
Choosing high deductibles could save up to $670 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $378 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,900 to $2,600 additional each year, depending on your age. Kia Optima Plug-In Hybrid insurance for high-risk drivers can cost anywhere 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 Cheap Kia Optima Plug-In Hybrid Insurance
Getting lower rates on Kia Optima Plug-In Hybrid insurance not only requires being a safe and courteous driver, but also having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop once a year by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
Below is a brief summary of the data that was touched on in the above illustrations.
- Drivers can save approximately $190 per year just by quoting online well ahead of the renewal date
- Drivers who want higher levels of liability will pay about $460 each year to go from a low limit to 250/500 limits
- Teenage drivers are expensive to insure, with premiums as much as $487 a month including comprehensive and collision insurance
- High-risk drivers that tend to have accidents or serious violations pay an average of $1,840 more annually 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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