Kia Optima Hybrid Insurance Rates

The average insurance prices for a Kia Optima Hybrid are $1,310 every 12 months for full coverage. Comprehensive insurance costs on average $242 each year, collision insurance costs $368, and liability is $520. Liability-only insurance costs around $576 a year, and high-risk driver insurance costs $2,824 or more. Teenage drivers cost the most to insure at up to $5,108 a year.

Average premium for full coverage: $1,310

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Optima Hybrid models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

The examples above show why all drivers should compare rates quotes 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.

Detailed Rate Analysis

The chart below shows average Kia Optima Hybrid insurance rates for different risk profiles and scenarios.

• The best discount rate is $779
• Raising to $1,000 deductibles will save around $138 a year
• The average price for a good driver age 40 with $500 deductibles is $1,310
• Using low deductibles costs an extra $268 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,824
• Policy cost to insure a teen driver may cost $5,108

View Chart as Image

Auto insurance rates for a Kia Optima Hybrid also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Optima Hybrid.

Using high physical damage deductibles can reduce rates by up to $410 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Kia Optima Hybrid insurance prices. A middle-age driver might find rates as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,870 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Kia Optima Hybrid Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every couple of years by requesting rates from direct carriers, and also from local independent and exclusive agents.

The list below is a brief recap of the material that was touched on in this article.

• Policyholders who require higher liability limits will pay an extra $570 each year to raise from a 30/60 limit to a 250/500 level
• Teenagers are charged the highest rates, costing up to $426 each month if comprehensive and collision insurance is included
• Higher risk drivers who tend to receive serious violations pay an average of $1,510 more each year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $400 each year