Kia Optima Plug-In Hybrid Insurance Rates
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UPDATED: May 12, 2024
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Average insurance prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months including full coverage. Comprehensive costs on average $376 each year, collision insurance costs $626, and liability coverage costs around $420. A liability-only policy costs as low as $494 a year, and high-risk insurance costs around $3,442. Teenage drivers receive the highest rates at up to $5,844 a year.
Average premium for full coverage: $1,602
Rate estimates by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Optima Plug-In Hybrid models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $494 for just the minimum liability insurance to a high rate of $3,442 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.
These examples highlight why all drivers should compare prices based on a specific location and their own driving history, rather than using 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.
Additional Rate Analysis
The chart below breaks down average Kia Optima Plug-In Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $926
- Using higher $1,000 deductibles will save around $228 every year
- The average price for a 40-year-old driver with $500 deductibles is $1,602
- Using low deductibles for physical damage coverage increases the price to $2,042
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,442
- The cost to insure a teenage driver may cost $5,844 or more
Insurance rates for a Kia Optima Plug-In Hybrid can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Optima Plug-In Hybrid.
Using high physical damage deductibles could cut rates by as much as $670 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $378 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $5,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers can be around 44% to 133% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Kia Optima Plug-In Hybrid insurance rates. A driver around age 40 might see rates as low as $1,230 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,280 on average in Michigan, New York, and Louisiana.
| 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 | $280 | $470 | $514 | $1,444 |
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 Shop for Low Cost Kia Optima Plug-In Hybrid Insurance
Saving money on auto insurance requires having a decent driving record, having good credit, not filing small claims, and determing if full coverage is necessary. Invest time comparing rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a review of the ideas that were covered in the charts and tables above.
- 16 to 18-year-old drivers pay the highest rates, as much as $487 per month if they have full coverage
- Drivers who have several accidents or serious violations may pay on average $1,840 more each year than a driver with a clean driving record
- Increasing deductibles could save as much as $675 each year
- You may be able to save as much as $190 per year just by quoting online in advance
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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