Kia Optima Hybrid Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance rates for a Kia Optima Hybrid are $1,358 a year for full coverage insurance. Comprehensive costs approximately $258, collision costs $400, and liability is $520. Liability-only insurance costs around $576 a year, with high-risk driver insurance costing around $2,928. Teen drivers pay the most at $5,260 a year or more.
Average premium for full coverage: $1,358
Premium estimates by type of coverage:
Includes $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all Optima Hybrid models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Kia Optima Hybrid go from the low end price of $576 for minimum levels of liability insurance to the much higher price of $2,928 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.
The example below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why everyone should compare rates quotes using their specific location, instead of using 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 Details
The chart below illustrates estimated Kia Optima Hybrid insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $803
- Raising to $1,000 deductibles will save $150 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,358
- Choosing pricier low deductibles bumps up the cost to $1,646
- At-risk drivers with multiple violations and an at-fault accident could pay around $2,928 or more
- An auto insurance policy that insures a teen driver for full coverage can cost $5,260
Insurance prices for a Kia Optima Hybrid also have a wide range based on the model of your Optima Hybrid, your age and driving record, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 additional annually, depending on your age. Kia Optima Hybrid insurance for high-risk drivers is expensive and can cost as much as 42% to 131% 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 little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age
Where you choose to live also has a big influence on Kia Optima Hybrid insurance prices. A middle-age driver might find prices as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,830 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,228 | -$130 | -9.6% |
| Alaska | $1,042 | -$316 | -23.3% |
| Arizona | $1,128 | -$230 | -16.9% |
| Arkansas | $1,358 | -$0 | 0.0% |
| California | $1,546 | $188 | 13.8% |
| Colorado | $1,294 | -$64 | -4.7% |
| Connecticut | $1,396 | $38 | 2.8% |
| Delaware | $1,538 | $180 | 13.3% |
| Florida | $1,700 | $342 | 25.2% |
| Georgia | $1,254 | -$104 | -7.7% |
| Hawaii | $976 | -$382 | -28.1% |
| Idaho | $922 | -$436 | -32.1% |
| Illinois | $1,010 | -$348 | -25.6% |
| Indiana | $1,026 | -$332 | -24.4% |
| Iowa | $916 | -$442 | -32.5% |
| Kansas | $1,290 | -$68 | -5.0% |
| Kentucky | $1,850 | $492 | 36.2% |
| Louisiana | $2,012 | $654 | 48.2% |
| Maine | $840 | -$518 | -38.1% |
| Maryland | $1,120 | -$238 | -17.5% |
| Massachusetts | $1,084 | -$274 | -20.2% |
| Michigan | $2,358 | $1,000 | 73.6% |
| Minnesota | $1,138 | -$220 | -16.2% |
| Mississippi | $1,628 | $270 | 19.9% |
| Missouri | $1,206 | -$152 | -11.2% |
| Montana | $1,458 | $100 | 7.4% |
| Nebraska | $1,072 | -$286 | -21.1% |
| Nevada | $1,630 | $272 | 20.0% |
| New Hampshire | $978 | -$380 | -28.0% |
| New Jersey | $1,518 | $160 | 11.8% |
| New Mexico | $1,202 | -$156 | -11.5% |
| New York | $1,432 | $74 | 5.4% |
| North Carolina | $782 | -$576 | -42.4% |
| North Dakota | $1,114 | -$244 | -18.0% |
| Ohio | $936 | -$422 | -31.1% |
| Oklahoma | $1,396 | $38 | 2.8% |
| Oregon | $1,244 | -$114 | -8.4% |
| Pennsylvania | $1,294 | -$64 | -4.7% |
| Rhode Island | $1,812 | $454 | 33.4% |
| South Carolina | $1,230 | -$128 | -9.4% |
| South Dakota | $1,146 | -$212 | -15.6% |
| Tennessee | $1,186 | -$172 | -12.7% |
| Texas | $1,636 | $278 | 20.5% |
| Utah | $1,004 | -$354 | -26.1% |
| Vermont | $930 | -$428 | -31.5% |
| Virginia | $814 | -$544 | -40.1% |
| Washington | $1,050 | -$308 | -22.7% |
| West Virginia | $1,246 | -$112 | -8.2% |
| Wisconsin | $940 | -$418 | -30.8% |
| Wyoming | $1,208 | -$150 | -11.0% |
Choosing high deductibles can reduce prices by up to $440 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Optima Hybrid | $310 | $530 | $486 | $1,506 |
| 2019 Kia Optima Hybrid | $292 | $512 | $500 | $1,484 |
| 2018 Kia Optima Hybrid | $282 | $474 | $510 | $1,446 |
| 2017 Kia Optima Hybrid | $270 | $446 | $514 | $1,410 |
| 2016 Kia Optima Hybrid | $258 | $400 | $520 | $1,358 |
| 2015 Kia Optima Hybrid | $242 | $368 | $520 | $1,310 |
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 the Cheapest Kia Optima Hybrid Insurance
Finding better rates on car insurance consists of not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Shop around at every policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.
The following is a recap of the data covered in the above illustrations.
- Policyholders who purchase higher liability limits will pay about $570 annually to raise from 30/60 bodily injury limits to the 250/500 level
- It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $450 each year
- Teens are the costliest to insure, with premiums being up to $438 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,260 |
| 20 | $3,112 |
| 30 | $1,398 |
| 40 | $1,358 |
| 50 | $1,244 |
| 60 | $1,218 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,514 |
| $500 | $1,358 |
| $1,000 | $1,208 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,358 |
| 50/100 | $1,462 |
| 100/300 | $1,592 |
| 250/500 | $1,930 |
| 100 CSL | $1,514 |
| 300 CSL | $1,800 |
| 500 CSL | $2,008 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,460 |
| 20 | $4,960 |
| 30 | $2,972 |
| 40 | $2,928 |
| 50 | $2,798 |
| 60 | $2,772 |
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 | $71 |
| Multi-vehicle | $72 |
| Homeowner | $22 |
| 5-yr Accident Free | $91 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $55 |
| Advance Quote | $63 |
| Online Quote | $94 |
| Total Discounts | $555 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
