Kia Optima Hybrid Insurance Rates
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Is a Kia Optima expensive to insure?
It depends. Quote depends on your geographical area during the quote process - so premiums can vary between $800-1200/6 months. Insurance coverage includes collision and liability, with two optional warranties for an additional cost-covering glass breakage and theft protection.''
How many miles can a Kia Optima Hybrid last?
An average driver should only expect about 270 miles before refueling their Kia Optima Hybrid. That's a pretty big range, and there are a bunch of variables that need to be considered -- such as the type of driving --- but if we're just looking at total mileage you're likely going to use per gallon, then 10-20 MPG would generally be expected for city driving which means 270-360 miles or so before needing more gas.
Kia Optima Hybrid Trims Available
- EX Hybrid 4dr Sedan (2.4L 4cyl gas/electric hybrid 6A)
- LX Hybrid 4dr Sedan (2.4L 4cyl gas/electric hybrid 6A)
Model by Year
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Optima Hybrid | $349 | $572 | $446 | $1536 |
| 2019 Kia Optima Hybrid | $333 | $571 | $449 | $1537 |
| 2018 Kia Optima Hybrid | $319 | $559 | $472 | $1522 |
| 2017 Kia Optima Hybrid | $312 | $535 | $490 | $1523 |
| 2016 Kia Optima Hybrid | $293 | $510 | $500 | $1491 |
| 2015 Kia Optima Hybrid | $282 | $479 | $513 | $1461 |
Cost by State
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1398 | $149 | -9.7% |
| Alaska | $1189 | $359 | -23.4% |
| Arizona | $1286 | $262 | -17.0% |
| Arkansas | $1548 | -$0 | 0.0% |
| California | $1763 | $216 | 14.0% |
| Colorado | $1477 | $71 | -4.6% |
| Connecticut | $1590 | $42 | 2.7% |
| Delaware | $1753 | $206 | 13.4% |
| Florida | $1936 | $389 | 25.3% |
| Georgia | $1431 | $117 | -7.7% |
| Hawaii | $1110 | $437 | -28.5% |
| Idaho | $1048 | $500 | -32.5% |
| Illinois | $1153 | $395 | -25.7% |
| Indiana | $1167 | $381 | -24.8% |
| Iowa | $1046 | $502 | -32.6% |
| Kansas | $1469 | $79 | -5.1% |
| Kentucky | $2110 | $562 | 36.6% |
| Louisiana | $2293 | $746 | 48.6% |
| Maine | $957 | $590 | -38.5% |
| Maryland | $1280 | $268 | -17.4% |
| Massachusetts | $1235 | $312 | -20.4% |
| Michigan | $2688 | $1140 | 74.3% |
| Minnesota | $1296 | $252 | -16.4% |
| Mississippi | $1856 | $308 | 20.0% |
| Missouri | $1372 | $175 | -11.4% |
| Montana | $1664 | $117 | 7.7% |
| Nebraska | $1221 | $326 | -21.3% |
| Nevada | $1856 | $308 | 20.0% |
| New Hampshire | $1118 | $429 | -27.9% |
| New Jersey | $1731 | $183 | 11.9% |
| New Mexico | $1370 | $177 | -11.6% |
| New York | $1632 | $85 | 5.5% |
| North Carolina | $893 | $655 | -42.6% |
| North Dakota | $1269 | $278 | -18.1% |
| Ohio | $1068 | $480 | -31.2% |
| Oklahoma | $1588 | $40 | 2.6% |
| Oregon | $1419 | $129 | -8.4% |
| Pennsylvania | $1475 | $73 | -4.7% |
| Rhode Island | $2067 | $520 | 33.9% |
| South Carolina | $1404 | $143 | -9.3% |
| South Dakota | $1308 | $240 | -15.6% |
| Tennessee | $1354 | $193 | -12.6% |
| Texas | $1864 | $316 | 20.6% |
| Utah | $1145 | $403 | -26.2% |
| Vermont | $1060 | $488 | -31.7% |
| Virginia | $927 | $621 | -40.4% |
| Washington | $1193 | $355 | -23.1% |
| West Virginia | $1421 | $127 | -8.3% |
| Wisconsin | $1072 | $476 | -30.9% |
| Wyoming | $1378 | $169 | -11.0% |
Other Kia models
Other styles
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
