Kia Optima Hybrid Insurance Rates

The average auto insurance rates for a Kia Optima Hybrid are $1,310 annually for full coverage. Comprehensive insurance costs an estimated $242 a year, collision insurance costs $368, and liability coverage costs around $520. Liability-only coverage costs as low as $576 a year, and high-risk coverage 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 broken down by type of insurance:

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Optima Hybrid trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

The examples above show why it is important to compare prices for a targeted area and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows average Kia Optima Hybrid insurance rates for other coverage scenarios.

• The best discount rate is $779
• Using higher $1,000 deductibles will save approximately $1,172 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,310
• Using low $100 deductibles for physical damage coverage costs an additional $268 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,824
• Policy cost with full coverage for a teenage driver can cost as much as $5,108 or more

View Chart as Image

Insurance rates for a Kia Optima Hybrid also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,500 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can be around 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $410 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Kia Optima Hybrid insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy Affordable Kia Optima Hybrid Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a brief review of the information raised in the charts and tables above.

• Drivers can save approximately $150 per year just by quoting early and online
• Teenage drivers are expensive to insure, costing up to $426 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,510 more annually for auto insurance
• Consumers who want higher levels of liability will pay an extra $570 each year to increase from a 30/60 limit to higher 250/500 limits