Kia Optima Plug-In Hybrid Insurance Rates
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UPDATED: May 12, 2024
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Estimated insurance prices for a Kia Optima Plug-In Hybrid are $1,602 every 12 months for full coverage. Comprehensive insurance costs on average $376 each year, collision costs $626, and liability coverage costs around $420. Liability-only coverage costs as low as $494 a year, with high-risk coverage costing $3,442 or more. Teens pay the most at $5,844 a year or more.
Average premium for full coverage: $1,602
Premium estimates by type of coverage:
Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Optima Plug-In Hybrid models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Kia Optima Plug-In Hybrid go from the cheapest price of $494 for basic liability insurance to a high rate of $3,442 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than cities with more traffic congestion.
The graphic below illustrates how location impacts car insurance rates.
These rate differences show why all drivers should compare prices based on a specific location and their own driving history, rather than using averaged prices.
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 Plug-In Hybrid insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $926
- Using higher $1,000 deductibles will save around $228 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,602
- Selecting low deductibles for physical damage coverage costs an extra $440 each year
- Higher-risk drivers with serious driving violations could pay upwards of $3,442 or more
- An auto insurance policy to insure a teenage driver may cost $5,844 or more
Insurance prices for a Kia Optima Plug-In Hybrid also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Optima Plug-In Hybrid.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $670 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $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, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,800 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 $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers can be around 44% to 133% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Kia Optima Plug-In Hybrid insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,280 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, so the prices will be substantially different.
| 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 Shop for the Best Cheap Kia Optima Plug-In Hybrid Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, not filing small claims, and bundling your home and auto policies. Spend time shopping around every other policy renewal by getting rate quotes from direct carriers, and also from local independent and exclusive agents.
The following is a quick review of the ideas that were touched on above.
- Teens pay the highest prices, as much as $487 per month if they have full coverage
- Drivers with a DUI or reckless driving violation pay an average of $1,840 more each year for Optima Plug-In Hybrid insurance
- Increasing policy deductibles could save as much as $675 each year
- Drivers can save as much as $190 per year simply 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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