Kia Optima Hybrid Insurance Rates
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Written by
Jeffrey Johnson
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UPDATED: Apr 9, 2020
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Average insurance rates for a Kia Optima Hybrid are $1,536 a year for full coverage insurance. Comprehensive costs approximately $346 each year, collision insurance costs $570, and liability costs around $440. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $3,306. 16-year-old drivers receive the highest rates at up to $5,682 a year.
Average premium for full coverage: $1,536
Rate estimates by individual coverage type:
These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Optima Hybrid models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as low as $510 for the bare minimum liability coverage to a high rate of $3,306 for a driver who requires high-risk insurance.
Price Range by Location
Where you live can have significant affects on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates how geographic area affects auto insurance prices.
These examples illustrate why all drivers should compare prices using their specific location and risk profile, instead of 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.
Additional Rate Information
The chart below illustrates average Kia Optima Hybrid insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $893
- Using higher $1,000 deductibles will save $208 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,536
- Buying low deductibles for physical damage coverage will increase the cost to $1,940
- Drivers with multiple tickets or accidents could pay around $3,306
- The cost for full coverage for a teen driver can cost $5,682 or more
Insurance rates for a Kia Optima Hybrid can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,600 a year. View Rates by Age
Where you live has a huge impact on Kia Optima Hybrid insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,070 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,388 | -$148 | -9.6% |
| Alaska | $1,180 | -$356 | -23.2% |
| Arizona | $1,276 | -$260 | -16.9% |
| Arkansas | $1,536 | -$0 | 0.0% |
| California | $1,750 | $214 | 13.9% |
| Colorado | $1,466 | -$70 | -4.6% |
| Connecticut | $1,578 | $42 | 2.7% |
| Delaware | $1,740 | $204 | 13.3% |
| Florida | $1,922 | $386 | 25.1% |
| Georgia | $1,420 | -$116 | -7.6% |
| Hawaii | $1,102 | -$434 | -28.3% |
| Idaho | $1,040 | -$496 | -32.3% |
| Illinois | $1,144 | -$392 | -25.5% |
| Indiana | $1,158 | -$378 | -24.6% |
| Iowa | $1,038 | -$498 | -32.4% |
| Kansas | $1,458 | -$78 | -5.1% |
| Kentucky | $2,094 | $558 | 36.3% |
| Louisiana | $2,276 | $740 | 48.2% |
| Maine | $950 | -$586 | -38.2% |
| Maryland | $1,270 | -$266 | -17.3% |
| Massachusetts | $1,226 | -$310 | -20.2% |
| Michigan | $2,668 | $1,132 | 73.7% |
| Minnesota | $1,286 | -$250 | -16.3% |
| Mississippi | $1,842 | $306 | 19.9% |
| Missouri | $1,362 | -$174 | -11.3% |
| Montana | $1,652 | $116 | 7.6% |
| Nebraska | $1,212 | -$324 | -21.1% |
| Nevada | $1,842 | $306 | 19.9% |
| New Hampshire | $1,110 | -$426 | -27.7% |
| New Jersey | $1,718 | $182 | 11.8% |
| New Mexico | $1,360 | -$176 | -11.5% |
| New York | $1,620 | $84 | 5.5% |
| North Carolina | $886 | -$650 | -42.3% |
| North Dakota | $1,260 | -$276 | -18.0% |
| Ohio | $1,060 | -$476 | -31.0% |
| Oklahoma | $1,576 | $40 | 2.6% |
| Oregon | $1,408 | -$128 | -8.3% |
| Pennsylvania | $1,464 | -$72 | -4.7% |
| Rhode Island | $2,052 | $516 | 33.6% |
| South Carolina | $1,394 | -$142 | -9.2% |
| South Dakota | $1,298 | -$238 | -15.5% |
| Tennessee | $1,344 | -$192 | -12.5% |
| Texas | $1,850 | $314 | 20.4% |
| Utah | $1,136 | -$400 | -26.0% |
| Vermont | $1,052 | -$484 | -31.5% |
| Virginia | $920 | -$616 | -40.1% |
| Washington | $1,184 | -$352 | -22.9% |
| West Virginia | $1,410 | -$126 | -8.2% |
| Wisconsin | $1,064 | -$472 | -30.7% |
| Wyoming | $1,368 | -$168 | -10.9% |
Opting for high physical damage deductibles could cut rates by as much as $620 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $396 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,500 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 131% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Optima Hybrid | $346 | $570 | $440 | $1,536 |
| 2019 Kia Optima Hybrid | $332 | $566 | $450 | $1,528 |
| 2018 Kia Optima Hybrid | $320 | $552 | $470 | $1,522 |
| 2017 Kia Optima Hybrid | $310 | $530 | $486 | $1,506 |
| 2016 Kia Optima Hybrid | $292 | $512 | $500 | $1,484 |
| 2015 Kia Optima Hybrid | $282 | $474 | $510 | $1,446 |
Rates are averaged for all Kia Optima 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 Cheap Kia Optima Hybrid Insurance
Saving money on car insurance requires having a good driving record, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The next list is a brief summary of the concepts that were presented in the illustrations above.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,770 more per year to buy Kia Optima Hybrid insurance
- Drivers age 20 and younger are the costliest to insure, costing up to $474 per month including comprehensive and collision insurance
- It is possible to save around $180 per year just by quoting online in advance
- Increasing deductibles can save around $600 each year
- It is possible to save around $180 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,682 |
| 20 | $3,518 |
| 30 | $1,602 |
| 40 | $1,536 |
| 50 | $1,402 |
| 60 | $1,376 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,940 |
| $250 | $1,754 |
| $500 | $1,536 |
| $1,000 | $1,328 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,536 |
| 50/100 | $1,624 |
| 100/300 | $1,734 |
| 250/500 | $2,020 |
| 100 CSL | $1,668 |
| 300 CSL | $1,910 |
| 500 CSL | $2,086 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,100 |
| 20 | $5,588 |
| 30 | $3,376 |
| 40 | $3,306 |
| 50 | $3,150 |
| 60 | $3,122 |
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 | $81 |
| Multi-vehicle | $79 |
| Homeowner | $22 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $98 |
| Paid in Full/EFT | $69 |
| Advance Quote | $75 |
| Online Quote | $108 |
| Total Discounts | $643 |
Discounts are estimated and may not be available from every company or in every state.
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