Kia Optima Plug-In Hybrid Insurance Rates
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UPDATED: May 12, 2024
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U.S. average auto insurance rates for a Kia Optima Plug-In Hybrid are $1,602 annually with full coverage. Comprehensive costs an estimated $376, collision insurance costs $626, and liability insurance is $420. A policy with just liability insurance costs around $494 a year, and coverage for high-risk drivers costs around $3,442. Teenage drivers pay the highest rates at up to $5,844 a year.
Average premium for full coverage: $1,602
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Optima Plug-In Hybrid trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Kia Optima Plug-In Hybrid insurance prices range from as cheap as $494 for basic liability insurance to a much higher rate of $3,442 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. More rural locations have fewer collision claims than densely populated cities. The price range example below illustrates how where you live affects insurance prices.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, 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 details average Kia Optima Plug-In Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $926
- Raising to $1,000 deductibles will save approximately $228 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,602
- Using more expensive low deductibles will cost $2,042
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,442
- The price with full coverage for a teen driver with full coverage can cost as much as $5,844
Insurance prices for a Kia Optima Plug-In Hybrid are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $670 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $378 more per year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Kia Optima Plug-In Hybrid insurance rates. A middle-age driver might find prices as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,160 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,446 | -$156 | -9.7% |
| Alaska | $1,228 | -$374 | -23.3% |
| Arizona | $1,330 | -$272 | -17.0% |
| Arkansas | $1,602 | -$0 | 0.0% |
| California | $1,826 | $224 | 14.0% |
| Colorado | $1,528 | -$74 | -4.6% |
| Connecticut | $1,644 | $42 | 2.6% |
| Delaware | $1,814 | $212 | 13.2% |
| Florida | $2,004 | $402 | 25.1% |
| Georgia | $1,480 | -$122 | -7.6% |
| Hawaii | $1,148 | -$454 | -28.3% |
| Idaho | $1,086 | -$516 | -32.2% |
| Illinois | $1,192 | -$410 | -25.6% |
| Indiana | $1,210 | -$392 | -24.5% |
| Iowa | $1,080 | -$522 | -32.6% |
| Kansas | $1,522 | -$80 | -5.0% |
| Kentucky | $2,184 | $582 | 36.3% |
| Louisiana | $2,372 | $770 | 48.1% |
| Maine | $990 | -$612 | -38.2% |
| Maryland | $1,322 | -$280 | -17.5% |
| Massachusetts | $1,278 | -$324 | -20.2% |
| Michigan | $2,780 | $1,178 | 73.5% |
| Minnesota | $1,342 | -$260 | -16.2% |
| Mississippi | $1,918 | $316 | 19.7% |
| Missouri | $1,420 | -$182 | -11.4% |
| Montana | $1,720 | $118 | 7.4% |
| Nebraska | $1,262 | -$340 | -21.2% |
| Nevada | $1,922 | $320 | 20.0% |
| New Hampshire | $1,156 | -$446 | -27.8% |
| New Jersey | $1,790 | $188 | 11.7% |
| New Mexico | $1,418 | -$184 | -11.5% |
| New York | $1,686 | $84 | 5.2% |
| North Carolina | $922 | -$680 | -42.4% |
| North Dakota | $1,312 | -$290 | -18.1% |
| Ohio | $1,106 | -$496 | -31.0% |
| Oklahoma | $1,644 | $42 | 2.6% |
| Oregon | $1,466 | -$136 | -8.5% |
| Pennsylvania | $1,526 | -$76 | -4.7% |
| Rhode Island | $2,138 | $536 | 33.5% |
| South Carolina | $1,452 | -$150 | -9.4% |
| South Dakota | $1,354 | -$248 | -15.5% |
| Tennessee | $1,402 | -$200 | -12.5% |
| Texas | $1,928 | $326 | 20.3% |
| Utah | $1,184 | -$418 | -26.1% |
| Vermont | $1,098 | -$504 | -31.5% |
| Virginia | $958 | -$644 | -40.2% |
| Washington | $1,234 | -$368 | -23.0% |
| West Virginia | $1,470 | -$132 | -8.2% |
| Wisconsin | $1,108 | -$494 | -30.8% |
| Wyoming | $1,426 | -$176 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Kia Optima Plug-In Hybrid | $268 | $422 | $520 | $1,390 |
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 Best Cheap Kia Optima Plug-In Hybrid Insurance
Getting lower rates on Kia Optima Plug-In Hybrid insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a quick review of the car insurance concepts touched on in the above illustrations.
- High-risk drivers with a DUI or reckless driving violation pay on average $1,840 more annually to insure their Optima Plug-In Hybrid
- You may be able to save approximately $190 per year just by shopping early and online
- Increasing physical damage deductibles could save up to $675 each year
- Drivers who want more liability coverage will pay an extra $460 every year to raise from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,844 |
| 20 | $3,664 |
| 30 | $1,676 |
| 40 | $1,602 |
| 50 | $1,460 |
| 60 | $1,432 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,042 |
| $250 | $1,838 |
| $500 | $1,602 |
| $1,000 | $1,374 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,602 |
| 50/100 | $1,686 |
| 100/300 | $1,791 |
| 250/500 | $2,064 |
| 100 CSL | $1,728 |
| 300 CSL | $1,959 |
| 500 CSL | $2,127 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,348 |
| 20 | $5,818 |
| 30 | $3,524 |
| 40 | $3,442 |
| 50 | $3,278 |
| 60 | $3,250 |
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 | $85 |
| Multi-vehicle | $81 |
| Homeowner | $23 |
| 5-yr Accident Free | $118 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $114 |
| Total Discounts | $676 |
Discounts are estimated and may not be available from every company or in every state.
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