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 insurance prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months for full coverage insurance. Comprehensive costs an estimated $376 a year, collision costs $626, and liability is estimated at $420. A policy with just liability insurance costs approximately $494 a year, with coverage for high-risk drivers 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:
Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Optima Plug-In Hybrid trim levels.
Price Range from Low to High
For a driver in their 40's, Kia Optima Plug-In Hybrid insurance prices go from the cheapest price of $494 for your basic liability-only policy to a high of $3,442 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. More rural locations have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine insurance prices.
The ranges above illustrate why it is important to get quotes for a targeted area and their own driving history, 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.
More Rate Information
The chart below illustrates estimated Kia Optima Plug-In Hybrid insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $926
- Choosing higher $1,000 deductibles can save approximately $1,374 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,602
- Selecting low $100 deductibles for comp and collision coverage increases the price to $2,042
- Unlucky drivers with serious driving violations could pay up to $3,442 or more
- The price to insure a teen driver can cost as much as $5,844 each year
Insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $670 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $378 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay 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 probably paying $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 133% more than the average policy. View High Risk Driver Rates
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 $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,160 on average in Florida, 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 only way to figure out which car insurance is cheapest is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, so the prices 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 the Best Cheap Kia Optima Plug-In Hybrid Insurance
Getting lower rates on car insurance takes avoiding accidents and violations, having good credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at least once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a quick review of the primary concepts that were covered in the charts and tables above.
- It is possible to save approximately $190 per year simply by quoting early and online
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,840 more annually for car insurance
- Increasing physical damage deductibles could save as much as $675 each year
- Teenagers are charged the highest prices, as much as $487 a month if they have full coverage
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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