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 prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months including full coverage. Comprehensive costs an estimated $376 each year, collision costs $626, and liability coverage costs around $420. Liability-only insurance costs as low as $494 a year, with high-risk driver insurance costing around $3,442. Teens 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:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Optima Plug-In Hybrid models.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia Optima Plug-In Hybrid insurance prices go from the cheapest price of $494 for basic liability insurance to a high rate of $3,442 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects insurance prices.
The ranges above highlight why all drivers should compare prices for a targeted area and their own driving history, rather than 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.
Rate Comparisons
The chart below breaks down estimated Kia Optima Plug-In Hybrid insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $926
- Using higher $1,000 deductibles will save approximately $228 every year
- The average price for the average middle-age driver who has $500 deductibles is $1,602
- Selecting low deductibles for physical damage coverage increases the price to $2,042
- Higher-risk drivers with serious driving violations could pay up to $3,442 or more
- The price to insure a teenage driver can cost as much as $5,844 or more
Car insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $670 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability 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
More mature drivers with no driving violations and higher deductibles may only pay around $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $5,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers can be around 44% to 133% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Kia Optima Plug-In Hybrid insurance rates. A driver around age 40 might see prices as low as $1,230 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,280 on average in Louisiana, New York, 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, so rate quotes may be quite different.
| 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 Shop for More Affordable Kia Optima Plug-In Hybrid Insurance
Getting lower rates on auto insurance requires having a decent driving record, maintaining a good credit score, being claim-free, and not having any coverage lapses. Set aside time to shop around at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following items are a summary of the concepts that were raised in the charts and tables above.
- Drivers who have multiple accidents or major violations may have to pay on average $1,840 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $487 a month if the policy includes full coverage
- You may be able to save approximately $190 per year simply by quoting online in advance
- Increasing physical damage deductibles could save as much as $675 each year
- You may be able to save approximately $190 per year simply 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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