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Kia Optima Hybrid Car Insurance Cost

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Are you looking for a used Kia Optima Hybrid? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Kia Optima Hybrid insurance facts

  • Average full coverage auto insurance premium: $128/month

  • Most affordable companies: Progressive ($79/month) & GEICO ($83/month)

  • Optima Hybrid car insurance cost vs. average rates: $13 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Kia Optima Hybrid by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Below average Kia Optima Hybrid insurer costs by state:

How much does it cost to insure my Kia Optima Hybrid?

Select the year of your car:

2020 Kia Optima Hybrid

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Average Cost to Insure Per Year

$1,526

List Price

$29,310

Trims Available

Premium - EX - Base Engine: 2.0-liter four-cylinder engine with an electric motor at 192 HP with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2019 Kia Optima Hybrid

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Average Cost to Insure Per Year

$1,423

List Price

$28,090

Trims Available

Premium - EX - Base Engine: 2.0-liter four-cylinder engine with an electric motor at 192 HP with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2018 Kia Optima Hybrid

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Average Cost to Insure Per Year

$1,359

List Price

$25,995

Trims Available

Premium - EX - Base Engine: 2.0-liter four-cylinder engine with an electric motor at 192 HP with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2017 Kia Optima Hybrid

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Average Cost to Insure Per Year

$1,191

List Price

$25,995

Trims Available

Premium - EX

2016 Kia Optima Hybrid

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Average Cost to Insure Per Year

$1,387

List Price

$25,995

Trims Available

Base - EX

2013 Kia Optima Hybrid

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Average Cost to Insure Per Year

$1,237

List Price

$25,900

Trims Available

LX - EX

2012 Kia Optima Hybrid

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Average Cost to Insure Per Year

$949

List Price

$25,800

Trims Available

Base - LX

2011 Kia Optima Hybrid

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Average Cost to Insure Per Year

$1,146

List Price

$26,500

Trims Available

Base

Risk factors affecting Kia Optima Hybrid car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Kia Optima Hybrid car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Kia models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Kia automobile brand

Kia Corporation is a South Korean multinational automaker specializing in affordable sport utility vehicles (SUVs) and exceptional reliability for the United States market. Kia is the second-largest auto manufacturer in South Korea after Hyundai. The target audience of Kia is young couples that are physically active with a high interest in new technology. All Kia automobiles have high safety ratings, with many of their cars getting "Top Safety Pick" and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Kia Forte, Kia Soul, Optima, and Kia Sorento are some of their most popular vehicles.

High Kia Optima Hybrid repair costs equal high coverage rates

Many consumers are attracted to Kia's high-tech innovations and features, increased value for the money, and driver-assist technologies, like Kia's DriveWise safety features. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Kia is higher than average since repair parts are slightly more expensive. For this reason, many Kias are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Kia Optima Hybrid affecting auto policies

Another factor to consider for Kia is rapid depreciation, affecting auto insurance rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Kia models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

Excellent Kia IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Kias are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Kia's DriveWise technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Kia models. The Kia Forte, Stinger, Sportage, and Sorento are the Insurance Institute for Highway Safety (IIHS) "Top Safety Picks," and the NHTSA consistently gives Kia automobiles top safety ratings each year lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Kia automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

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