Kia Optima Plug-In Hybrid Insurance Rates
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UPDATED: May 12, 2024
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The average auto insurance rates for a Kia Optima Plug-In Hybrid are $1,602 annually for full coverage insurance. Comprehensive costs around $376, collision insurance costs $626, and liability coverage is $420. A liability-only policy costs around $494 a year, and high-risk insurance costs around $3,442. Teenage drivers cost the most to insure at up to $5,844 a year.
Average premium for full coverage: $1,602
Policy rates for type of insurance:
Prices are based on $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Optima Plug-In Hybrid trim levels.
Price Range Variability
For the average driver, Kia Optima Plug-In Hybrid insurance rates range from as cheap as $494 for basic liability insurance to a much higher rate of $3,442 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities. The price range example below illustrates how location impacts auto insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than using 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.
Rate Comparisons
The chart below illustrates average Kia Optima Plug-In Hybrid insurance rates for additional coverage choices and driver risks.
- The best discount rate is $926
- Raising to $1,000 deductibles will save about $228 each year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,602
- Using more expensive low deductibles will cost $2,042
- Unlucky drivers who are prone to accidents and violations could pay at least $3,442
- Policy cost with full coverage for a teenage driver with full coverage can be $5,844
Car insurance rates for a Kia Optima Plug-In Hybrid also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $5,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $670 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $378 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Kia Optima Plug-In Hybrid insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,160 on average in Michigan, New York, and Florida.
| 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 Affordable Kia Optima Plug-In Hybrid Insurance
Finding cheaper rates on auto insurance consists of having a good driving record, having a good credit score, being claim-free, and consideration of higher deductibles. Spend time shopping around at every policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a brief review of the data touched on above.
- Consumers who may need increased levels of liability coverage will pay an extra $460 annually to raise from a 30/60 limit to higher 250/500 limits
- It is possible to save up to $190 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $675 each year
- Drivers age 20 and younger are the costliest to insure, possibly costing $487 each month if comprehensive and collision insurance is included
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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