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 auto insurance rates for a Kia Optima Plug-In Hybrid are $1,602 annually for full coverage. Comprehensive insurance costs on average $376, collision insurance costs $626, and liability insurance is estimated at $420. Liability-only coverage costs approximately $494 a year, and high-risk coverage 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 by type of coverage:
These estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Optima Plug-In Hybrid trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Kia Optima Plug-In Hybrid range from as cheap as $494 for just liability coverage to a much higher rate of $3,442 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer accident claims than congested cities. The price range example below illustrates how geographic area affects car insurance rates.
These rate differences show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than relying on 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.
Detailed Rate Analysis
The chart below shows average Kia Optima Plug-In Hybrid insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $926
- Choosing higher $1,000 deductibles can save around $228 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,602
- Buying more expensive low deductibles for comp and collision coverage costs an additional $440 a year
- High-risk insureds with multiple tickets or accidents could pay upwards of $3,442
- An auto insurance policy with full coverage for a teen driver with full coverage may cost $5,844 each year
Insurance prices for a Kia Optima Plug-In Hybrid also have a wide range based on the model of your Optima Plug-In Hybrid, your driver profile, and policy deductibles and limits.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $5,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,900 to $2,600 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 44% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $670 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $378 more per year. View Rates by Deductible or Liability Limit
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 $1,060 a year in states like Idaho, Maine, and Iowa, or 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% |
| 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 Cheap Kia Optima Plug-In Hybrid Insurance
Finding better rates on Kia Optima Plug-In Hybrid insurance takes being a safe and courteous driver, having a good credit history, not filing small claims, and determing if full coverage is necessary. Invest the time to compare rates every other policy renewal by quoting rates from direct carriers, and also from local insurance agents.
Below is a brief summary of the ideas that were presented in the illustrations above.
- Teenage drivers pay the highest prices, as much as $487 per month including comprehensive and collision insurance
- High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,840 more each year for auto insurance
- Increasing policy deductibles could save up to $675 each year
- Drivers can save as much as $190 per year just by shopping early and online
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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