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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U.S. average auto insurance rates for a Kia Optima Plug-In Hybrid are $1,602 annually with full coverage. Comprehensive costs an estimated $376, collision costs $626, and liability costs $420. Liability-only insurance costs as little as $494 a year, with high-risk driver insurance costing around $3,442. Teen drivers pay the highest rates at $5,844 a year or more.
Average premium for full coverage: $1,602
Price estimates broken down by individual coverage:
Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Optima Plug-In Hybrid models.
Price Range from Low to High
For the average 40-year-old driver, Kia Optima Plug-In Hybrid insurance prices go from as cheap as $494 for just liability insurance to the much higher price of $3,442 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can have significant affects on car insurance rates. More rural locations have fewer collision claims than larger metro areas.
The example below illustrates the difference location can make on insurance prices.
The ranges above demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of using 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 Details
The chart below details estimated 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 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,602
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $2,042
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,442 or more
- The price with full coverage for a teen driver for full coverage can cost as much as $5,844 a year
Car insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $5,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,900 to $2,600 extra each year, depending on your age. Kia Optima Plug-In Hybrid insurance for high-risk drivers can cost as much as 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $670 every year, whereas buying more liability protection will increase premiums. Moving 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 makes a big difference in Kia Optima Plug-In Hybrid insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,160 on average in New York, Michigan, 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% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Every company uses a different rate calculation, so rate quotes may be quite different between companies.
| 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
Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Make time to compare rates at every policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a brief review of the data touched on in this article.
- Policyholders who want higher levels of liability will pay about $460 every year to go from a low limit to higher 250/500 limits
- You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $675 each year
- Teenage drivers have the highest car insurance prices, costing up to $487 a 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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