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 rates for a Kia Optima Plug-In Hybrid are $1,602 a year for full coverage insurance. Comprehensive insurance costs an estimated $376, collision insurance costs $626, and liability is $420. Buying just liability costs around $494 a year, and insurance for high-risk drivers costs $3,442 or more. Teen drivers pay the highest rates at up to $5,844 a year.
Average premium for full coverage: $1,602
Price estimates broken down by individual coverage:
Full coverage includes $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Optima Plug-In Hybrid models.
Price Range from Low to High
For a driver around age 40, Kia Optima Plug-In Hybrid insurance prices range from the low end price of $494 for the bare minimum liability coverage to the much higher price of $3,442 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas. The example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above illustrate why everyone should compare rates quotes for a targeted area, instead of making a decision based on price 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.
Additional Rate Information
The chart below illustrates average Kia Optima Plug-In Hybrid insurance rates for other coverage scenarios.
- The lowest rate with discounts is $926
- Raising to $1,000 deductibles will save approximately $228 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,602
- Choosing pricier low deductibles will cost an additional $440 annually
- Drivers with multiple violations and an at-fault accident could pay up to $3,442
- The price that insures a 16-year-old driver for full coverage can cost as much as $5,844
Insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on the model of your Optima Plug-In Hybrid, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,900 to $2,600 additional each year, depending on your age. Kia Optima Plug-In Hybrid insurance for high-risk drivers is expensive and can cost from 44% to 133% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,800 a year. View Rates by Age
The state you live in also has a big influence on Kia Optima Plug-In Hybrid insurance prices. A middle-age driver might find prices as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $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% |
Choosing high deductibles can reduce prices by up to $670 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $378 more each year. View Rates by Deductible or Liability Limit
| 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 Find More Affordable Kia Optima Plug-In Hybrid Insurance
Getting lower rates on insurance for a Kia Optima Plug-In Hybrid consists of having a good driving record, having a good credit score, not filing small claims, and possibly raising deductibles. Shop around every couple of years by requesting quotes from direct insurance companies, and also from local insurance agencies.
The next list is a summary of the material that was covered above.
- Insureds who want increased levels of liability coverage will pay about $460 annually to raise from a low limit to the 250/500 level
- Drivers age 20 and younger are expensive to insure, as much as $487 a month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,840 more annually to buy Kia Optima Plug-In Hybrid insurance
- Increasing physical damage deductibles can save approximately $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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