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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Estimated insurance prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months including full coverage. Comprehensive insurance costs around $376 a year, collision insurance costs $626, and liability coverage is estimated at $420. A liability-only policy costs approximately $494 a year, and high-risk insurance costs $3,442 or more. 16-year-old drivers pay the most at up to $5,844 a year.
Average premium for full coverage: $1,602
Premium estimates for type of coverage:
Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Optima Plug-In Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Kia Optima Plug-In Hybrid range from the cheapest price of $494 for a discount liability-only rate to a high of $3,442 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.
These rate differences highlight why it is important to get quotes for a specific zip code and their own driving history, rather than using rate 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.
Rates by State, City, and Model
The chart below breaks down average Kia Optima Plug-In Hybrid insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $926
- Choosing higher $1,000 deductibles can save about $1,374 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,602
- Buying low $100 deductibles for comp and collision coverage costs an extra $440 each year
- Drivers with multiple tickets or accidents could pay at least $3,442
- An auto insurance policy to insure a teenage driver can be $5,844 each year
Auto insurance prices for a Kia Optima Plug-In Hybrid also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $670 a year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $378 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $5,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,900 to $2,600 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges around 44% to 133% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Kia Optima Plug-In Hybrid insurance rates. A good driver about age 40 could pay as low as $1,230 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,280 on average in Michigan, New York, and Louisiana.
| 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 | $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 Shop for the Right Kia Optima Plug-In Hybrid Insurance
Finding better rates on auto insurance takes being a low-risk driver, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates every couple of years by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The items below are a quick rundown of the material that was touched on in this article.
- Consumers who may need more liability coverage will pay around $460 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teen drivers are expensive to insure, with the cost nearing $487 per month if comprehensive and collision insurance is included
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,840 more every year to insure their Optima Plug-In Hybrid
- Increasing policy deductibles could save as much as $675 each year
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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