Kia Optima Plug-In Hybrid Insurance Rates
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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 on average $376 each year, collision insurance costs $626, and liability is estimated at $420. Liability-only insurance costs approximately $494 a year, and high-risk driver insurance costs around $3,442. Teens pay the highest rates at up to $5,844 a year.
Average premium for full coverage: $1,602
Price estimates by individual coverage:
Rate estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Optima Plug-In Hybrid models.
Price Range from Low to High
For a driver in their 40's, Kia Optima Plug-In Hybrid insurance prices range from the low end price of $494 for liability-only coverage to a high rate of $3,442 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.
The ranges above show why all drivers should get quotes based on a specific location, instead of using averaged prices.
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 shows average Kia Optima Plug-In Hybrid insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $926
- Choosing higher $1,000 deductibles can save around $228 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,602
- Selecting low deductibles for comp and collision coverage bumps up the cost to $2,042
- Unlucky drivers with serious driving violations could pay upwards of $3,442
- The price that insures a teen driver may cost $5,844 each year
Car insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on the trim level and model year, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 133% more than the average policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,800 a year. View Rates by Age
The state you live in 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 $1,060 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,280 on average in Michigan, Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $670 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection 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
| 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 Find the Best Kia Optima Plug-In Hybrid Insurance
Getting lower rates on car insurance takes not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and possibly raising deductibles. Compare rates at every other renewal by getting quotes from direct carriers, and also from local exclusive and independent agents.
The following is a brief recap of the concepts that were covered in the charts and tables above.
- Higher risk drivers who tend to receive serious violations may pay on average $1,840 more each year for Optima Plug-In Hybrid insurance
- Teens are expensive to insure, with premiums as much as $487 a month if full coverage is purchased
- Drivers can save as much as $190 per year just by quoting online in advance
- Increasing physical damage deductibles can save approximately $675 each year
- Drivers can save as much as $190 per year just by quoting online in advance
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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