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Kia Optima Plug-In Hybrid Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Dec 9, 2019

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The average auto insurance rates for a Kia Optima Plug-In Hybrid are $1,544 annually for full coverage insurance. Comprehensive costs on average $320, collision costs $558, and liability costs $486. A liability-only policy costs as little as $548 a year, with high-risk insurance costing around $3,334. 16-year-old drivers cost the most to insure at $5,802 a year or more.

Average premium for full coverage: $1,544

Policy rates by type of insurance:

Comprehensive $320
Collision $558
Liability $486

Prices include $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Optima Plug-In Hybrid trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Kia Optima Plug-In Hybrid insurance rates go from as cheap as $548 for minimum levels of liability insurance to a much higher rate of $3,334 for a policy for a high-risk driver.

Liability Only $548
Full Coverage $1,544
High Risk $3,334

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,158
Small Cities $1,621
Large Cities $2,084

The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, 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 Details

The chart below illustrates estimated Kia Optima Plug-In Hybrid insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $894
  • Drivers who choose higher $1,000 deductibles will pay around $200 each year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,544
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,930
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,334 or more
  • Policy cost with full coverage for a teen driver with full coverage may cost $5,802 a year

View Chart as Image

Kia Optima Plug-In Hybrid insurance cost comparison chart
Column chart showing full coverage Kia Optima Plug-In Hybrid insurance rates range from $894 to $5,802

Car insurance rates for a Kia Optima Plug-In Hybrid also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $5,800 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $590 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $438 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,010 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,080 on average in Michigan, New York, and Florida.

Kia Optima Plug-In Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,394 -$150 -9.7%
Alaska $1,184 -$360 -23.3%
Arizona $1,280 -$264 -17.1%
Arkansas $1,544 -$0 0.0%
California $1,758 $214 13.9%
Colorado $1,472 -$72 -4.7%
Connecticut $1,584 $40 2.6%
Delaware $1,746 $202 13.1%
Florida $1,930 $386 25.0%
Georgia $1,424 -$120 -7.8%
Hawaii $1,106 -$438 -28.4%
Idaho $1,046 -$498 -32.3%
Illinois $1,150 -$394 -25.5%
Indiana $1,164 -$380 -24.6%
Iowa $1,040 -$504 -32.6%
Kansas $1,464 -$80 -5.2%
Kentucky $2,104 $560 36.3%
Louisiana $2,286 $742 48.1%
Maine $954 -$590 -38.2%
Maryland $1,272 -$272 -17.6%
Massachusetts $1,232 -$312 -20.2%
Michigan $2,678 $1,134 73.4%
Minnesota $1,290 -$254 -16.5%
Mississippi $1,850 $306 19.8%
Missouri $1,366 -$178 -11.5%
Montana $1,656 $112 7.3%
Nebraska $1,216 -$328 -21.2%
Nevada $1,850 $306 19.8%
New Hampshire $1,114 -$430 -27.8%
New Jersey $1,724 $180 11.7%
New Mexico $1,366 -$178 -11.5%
New York $1,624 $80 5.2%
North Carolina $888 -$656 -42.5%
North Dakota $1,264 -$280 -18.1%
Ohio $1,064 -$480 -31.1%
Oklahoma $1,584 $40 2.6%
Oregon $1,412 -$132 -8.5%
Pennsylvania $1,470 -$74 -4.8%
Rhode Island $2,058 $514 33.3%
South Carolina $1,398 -$146 -9.5%
South Dakota $1,302 -$242 -15.7%
Tennessee $1,348 -$196 -12.7%
Texas $1,858 $314 20.3%
Utah $1,140 -$404 -26.2%
Vermont $1,056 -$488 -31.6%
Virginia $922 -$622 -40.3%
Washington $1,190 -$354 -22.9%
West Virginia $1,414 -$130 -8.4%
Wisconsin $1,068 -$476 -30.8%
Wyoming $1,374 -$170 -11.0%

View Chart as Image

Kia Optima Plug-In Hybrid insurance rates by U.S. city

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every company utilizes a different rate formula, so rate quotes will be varied between companies.

Kia Optima Plug-In Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Kia Optima Plug-In Hybrid $320 $558 $486 $1,544

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 the Right Kia Optima Plug-In Hybrid Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to shop around every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a quick rundown of the coverage data raised in the charts and tables above.

  • It is possible to save as much as $180 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $575 each year
  • Teens are expensive to insure, possibly costing $484 each month if comprehensive and collision insurance is included
  • Higher risk drivers with reckless driving or DUI convictions may pay on average $1,790 more each year for Optima Plug-In Hybrid insurance

Rates by Driver Age

Kia Optima Plug-In Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $5,802
20 $3,550
30 $1,602
40 $1,544
50 $1,410
60 $1,380

Full coverage, $500 deductibles

Rates by Deductible

Kia Optima Plug-In Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,930
$250 $1,752
$500 $1,544
$1,000 $1,344

Full coverage, driver age 40

Rates by Liability Limit

Kia Optima Plug-In Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,544
50/100 $1,641
100/300 $1,763
250/500 $2,079
100 CSL $1,690
300 CSL $1,957
500 CSL $2,152

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Optima Plug-In Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $8,270
20 $5,652
30 $3,404
40 $3,334
50 $3,182
60 $3,154

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.

SR-22 Surcharge $214

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $82
Multi-vehicle $81
Homeowner $23
5-yr Accident Free $111
5-yr Claim Free $100
Paid in Full/EFT $69
Advance Quote $75
Online Quote $109
Total Discounts $650
Rate after discounts $894

Discounts are estimated and may not be available from every company or in every state.

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