Kia Optima Plug-In Hybrid Insurance Rates
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UPDATED: May 12, 2024
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Estimated insurance rates for a Kia Optima Plug-In Hybrid are $1,602 a year for full coverage. Comprehensive costs on average $376 each year, collision insurance costs $626, and liability is $420. Liability-only insurance costs around $494 a year, and high-risk driver insurance costs around $3,442. Teen drivers pay the most at up to $5,844 a year.
Average premium for full coverage: $1,602
Premium estimates by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes 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 a driver in their 40's, insurance rates for a Kia Optima Plug-In Hybrid range from as low as $494 for just liability insurance to a high rate of $3,442 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how location helps determine car insurance rates.
These rate differences show why all drivers should compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.
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.
More Rate Details
The chart below shows average Kia Optima Plug-In Hybrid insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $926
- Raising to $1,000 deductibles will save around $228 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,602
- Choosing low deductibles will increase the cost to $2,042
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,442
- An auto insurance policy for full coverage for a 16-year-old driver may cost $5,844
Insurance prices for a Kia Optima Plug-In Hybrid also have a wide range based on your driving characteristics, the trim level of your Optima Plug-In Hybrid, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,800 a year. View Rates by Age
Where you choose to live also has a big influence on Kia Optima Plug-In Hybrid insurance prices. A middle-age driver might find prices as low as $1,060 a year in states like Idaho, Maine, and Iowa, or as much as $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% |
Choosing high deductibles can reduce prices by up to $670 annually, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $378 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 133% more than average. View High Risk Driver Rates
| 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 Find the Best Kia Optima Plug-In Hybrid Insurance
Finding better rates on insurance for a Kia Optima Plug-In Hybrid consists of avoiding accidents and violations, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every time your policy renews by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The list below is a brief recap of the information covered in the charts and tables above.
- Drivers can save as much as $190 per year just by quoting online in advance
- Teenagers pay higher prices, as much as $487 per month including comprehensive and collision insurance
- Increasing policy deductibles can save around $675 each year
- Drivers considered higher risk who tend to receive serious violations will pay on average $1,840 more each year for car insurance
- Insureds who require higher liability limits will pay about $460 each year to raise from 30/60 bodily injury limits to 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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