Kia Optima Plug-In Hybrid Insurance Rates
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UPDATED: May 12, 2024
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The average insurance prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months with full coverage. Comprehensive insurance costs on average $376 each year, collision costs $626, and liability costs $420. Buying just liability costs as little as $494 a year, with insurance for high-risk drivers costing $3,442 or more. Teenage drivers cost the most to insure at $5,844 a year or more.
Average premium for full coverage: $1,602
Policy rates by type of insurance:
Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Optima Plug-In Hybrid models.
Price Range Variability
For a driver around age 40, Kia Optima Plug-In Hybrid insurance rates 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.
Urban vs. Rural Price Range
Your location can have significant affects on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above demonstrate why all drivers should compare rates based on a specific location and their own driving history, instead of using average rates.
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 details estimated Kia Optima Plug-In Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $926
- Drivers who choose higher $1,000 deductibles will pay around $228 annually
- The average price for a good driver age 40 with $500 deductibles is $1,602
- Using low deductibles for comprehensive and collision insurance costs an extra $440 every year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,442 or more
- Policy cost to insure a teen driver may cost $5,844 a year
Insurance rates for a Kia Optima Plug-In Hybrid also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Optima Plug-In Hybrid.
Using high physical damage deductibles could save up to $670 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $378 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $5,800 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 133% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Kia Optima Plug-In Hybrid insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,160 on average in Florida, Michigan, 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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, so the rates will be varied.
| 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 Cheapest Kia Optima Plug-In Hybrid Insurance
Finding cheaper rates on car insurance not only requires having a good driving record, but also having good credit, not filing small claims, and bundling your home and auto policies. Set aside time to compare rates at every other renewal by getting rate quotes from direct companies, and also from local exclusive and independent agents.
The next list is a recap of the concepts that were covered above.
- Higher risk drivers that have major violations or accidents may pay on average $1,840 more each year to buy Kia Optima Plug-In Hybrid insurance
- Drivers age 20 and younger pay the highest rates, as much as $487 each month if they have full coverage
- You may be able to save as much as $190 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $675 each year
- You may be able to save as much as $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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