Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Kia Optima Hybrid insurer costs by state:

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.

2020 Kia Optima Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1869
Allstate$1645
American Family$1398
Country Financial$1670
Erie$1120
GEICO$1032
Kentucky Farm Bureau$1735
Liberty Mutual$1139
Mercury$1599
Nationwide$1243
Progressive$956
State Farm$1059
Tennessee Farmers$1435
Texas Farm Bureau$1327
The Hanover$1781
Travelers$1658

Compare all 2020 Kia Optima Hybrid rates

Average Cost to Insure Per Year

$1526

List Price

$29310

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1826
Allstate$1623
American Family$1355
Country Financial$1654
Erie$1036
GEICO$955
Kentucky Farm Bureau$1680
Liberty Mutual$1080
Mercury$1590
Nationwide$1216
Progressive$912
State Farm$1026
Tennessee Farmers$1428
Texas Farm Bureau$1287
The Hanover$1739
Travelers$1633

Compare all 2019 Kia Optima Hybrid rates

Average Cost to Insure Per Year

$1423

List Price

$28090

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1715
Allstate$1359
American Family$1235
Country Financial$1520
Erie$1035
GEICO$936
Kentucky Farm Bureau$1641
Liberty Mutual$1065
Mercury$1291
Nationwide$1185
Progressive$890
State Farm$974
Tennessee Farmers$1264
Texas Farm Bureau$1190
The Hanover$1703
Travelers$1412

Compare all 2018 Kia Optima Hybrid rates

Average Cost to Insure Per Year

$1359

List Price

$25995

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1520
Acuity$ 1520
Allied$ 1415
Allied$ 1415
Erie$ 1120
Erie$ 1120
Mercury$ 1414
Mercury$ 1414
Nationwide$ 1571
Nationwide$ 1571
Plymouth Rock Insurance$ 1299
Plymouth Rock Insurance$ 1299
Progressive$ 1409
Progressive$ 1409
State Farm$ 1552
State Farm$ 1552
Tennessee Farmers$ 1050
Tennessee Farmers$ 1050
Texas Farm Bureau$ 805
Texas Farm Bureau$ 805
USAA$ 1214
USAA$ 1214
Vermont Mutual$ 1463
Vermont Mutual$ 1463

Compare all 2017 Kia Optima Hybrid rates

Average Cost to Insure Per Year

$ 1191

List Price

$ 25995

Trims Available

Premium - EX

2016 Kia Optima Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1508
Acuity$ 1508
Allied$ 1582
Allied$ 1582
American Family$ 1443
American Family$ 1443
Arbella$ 1592
Arbella$ 1592
Erie$ 1057
Erie$ 1057
Mercury$ 1395
Mercury$ 1395
Plymouth Rock Insurance$ 1292
Plymouth Rock Insurance$ 1292
Progressive$ 1468
Progressive$ 1468
Tennessee Farmers$ 1044
Tennessee Farmers$ 1044
Texas Farm Bureau$ 1106
Texas Farm Bureau$ 1106
USAA$ 1190
USAA$ 1190
Vermont Mutual$ 1450
Vermont Mutual$ 1450

Compare all 2016 Kia Optima Hybrid rates

Average Cost to Insure Per Year

$ 1387

List Price

$ 25995

Trims Available

Base - EX

2013 Kia Optima Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1219
Acuity$ 1219
American Family$ 1262
American Family$ 1262
Arbella$ 1280
Arbella$ 1280
Country$ 1374
Country$ 1374
Erie$ 1015
Erie$ 1015
GEICO$ 1431
GEICO$ 1431
Mercury$ 1362
Mercury$ 1362
Plymouth Rock Insurance$ 1209
Plymouth Rock Insurance$ 1209
Tennessee Farmers$ 1162
Tennessee Farmers$ 1162
Texas Farm Bureau$ 950
Texas Farm Bureau$ 950
USAA$ 1077
USAA$ 1077
Vermont Mutual$ 1080
Vermont Mutual$ 1080

Compare all 2013 Kia Optima Hybrid rates

Average Cost to Insure Per Year

$ 1237

List Price

$ 25900

Trims Available

LX - EX

2012 Kia Optima Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1106
Acuity$ 1106
Allied$ 1299
Allied$ 1299
American Family$ 1211
American Family$ 1211
Arbella$ 1083
Arbella$ 1083
Country$ 1255
Country$ 1255
Erie$ 924
Erie$ 924
GEICO$ 1267
GEICO$ 1267
Plymouth Rock Insurance$ 1172
Plymouth Rock Insurance$ 1172
Tennessee Farmers$ 1057
Tennessee Farmers$ 1057
Texas Farm Bureau$ 758
Texas Farm Bureau$ 758
USAA$ 1026
USAA$ 1026
Vermont Mutual$ 952
Vermont Mutual$ 952

Compare all 2012 Kia Optima Hybrid rates

Average Cost to Insure Per Year

$ 949

List Price

$ 25800

Trims Available

Base - LX

2011 Kia Optima Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1059
Acuity$ 1059
American Family$ 1070
American Family$ 1070
Arbella$ 1129
Arbella$ 1129
Country$ 1203
Country$ 1203
Erie$ 948
Erie$ 948
GEICO$ 1253
GEICO$ 1253
Plymouth Rock Insurance$ 1149
Plymouth Rock Insurance$ 1149
Southern Farm Bureau$ 1272
Southern Farm Bureau$ 1272
Tennessee Farmers$ 1039
Tennessee Farmers$ 1039
Texas Farm Bureau$ 888
Texas Farm Bureau$ 888
USAA$ 981
USAA$ 981
Vermont Mutual$ 911
Vermont Mutual$ 911

Compare all 2011 Kia Optima Hybrid rates

Average Cost to Insure Per Year

$ 1146

List Price

$ 26500

Trims Available

Base