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 prices for a Kia Optima Hybrid are $1,358 every 12 months for full coverage. Comprehensive insurance costs on average $258, collision costs $400, and liability insurance is estimated at $520. Liability-only insurance costs approximately $576 a year, with high-risk driver insurance costing $2,928 or more. Teenage drivers pay the most at $5,260 a year or more.
Average premium for full coverage: $1,358
Premium estimates by type of coverage:
Full coverage includes $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 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 cheapest price of $576 for basic liability insurance to the much higher price of $2,928 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities.
The example below illustrates the effect of geographic area on car insurance rates.
These rate differences show why everyone should get quotes based on a specific location and their own driving history, rather than relying on 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 shows estimated Kia Optima Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $803
- Choosing higher $1,000 deductibles can save around $150 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,358
- Using pricier low deductibles for comp and collision coverage costs an extra $288 a year
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,928 or more
- An auto insurance policy to insure a teen driver for full coverage may cost $5,260 each year
Insurance prices for a Kia Optima Hybrid also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Optima Hybrid.
Using high physical damage deductibles can save as much as $440 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 additional annually, depending on your age. Kia Optima Hybrid insurance for high-risk drivers ranges anywhere from 42% to 131% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Kia Optima Hybrid insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,940 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, 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 Shop for More Affordable Kia Optima Hybrid Insurance
Finding better rates on Kia Optima Hybrid insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates every year by getting quotes from direct carriers, and also from local independent and exclusive agents.
Below is a summary of the coverage data covered in the above illustrations.
- Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $450 each year
- Teenage drivers pay higher prices, as much as $438 per month if full coverage is included
- High-risk drivers who have multiple accidents or major violations pay an average of $1,570 more each year for auto insurance
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
