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 Plug-in 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 Plug-In Hybrid insurance facts

  • Average full coverage auto insurance premium: $143/month

  • Most affordable companies: Progressive ($80/month) & GEICO ($84/month)

  • Optima Plug-In Hybrid car insurance cost vs. average rates: $14 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Kia Optima Plug-In 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 Plug-In Hybrid insurer costs by state:

Risk factors affecting Kia Optima Plug-In Hybrid coverage 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 Plug-In Hybrid 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 Plug-In 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 Plug-In 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 Plug-In Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1870
Allstate$1646
American Family$1400
Country Financial$1680
Erie$1187
GEICO$1035
Kentucky Farm Bureau$1746
Liberty Mutual$1214
Mercury$1600
Nationwide$1453
Progressive$960
State Farm$1069
Tennessee Farmers$1465
Texas Farm Bureau$1330
The Hanover$1790
Travelers$1659

Compare all 2020 Kia Optima Plug-In Hybrid rates

Average Cost to Insure Per Year

$1714

List Price

$29310

Trims Available

EX - Base Engine: 2.0-liter 192 HP four-cylinder engine with an electric motor 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 Plug-In 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 Plug-In Hybrid rates

Average Cost to Insure Per Year

$1680

List Price

$28090

Trims Available

EX - Base Engine: 2.0-liter 192 HP four-cylinder engine with an electric motor 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 Plug-In Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1780
Allstate$1398
American Family$1246
Country Financial$1536
Erie$1043
GEICO$943
Kentucky Farm Bureau$1685
Liberty Mutual$1080
Mercury$1362
Nationwide$1196
Progressive$899
State Farm$980
Tennessee Farmers$1280
Texas Farm Bureau$1215
The Hanover$1723
Travelers$1528

Compare all 2018 Kia Optima Plug-In Hybrid rates

Average Cost to Insure Per Year

$1603

List Price

$25995

Trims Available

EX - Base Engine: 2.0-liter 192 HP four-cylinder engine with an electric motor 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 Plug-In Hybrid

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1930
Acuity$ 1930
Allied$ 1118
Allied$ 1118
Arbella$ 1736
Arbella$ 1736
Erie$ 1188
Erie$ 1188
Mercury$ 1415
Mercury$ 1415
Nationwide$ 1462
Nationwide$ 1462
Plymouth Rock Insurance$ 1294
Plymouth Rock Insurance$ 1294
Progressive$ 1488
Progressive$ 1488
State Farm$ 1665
State Farm$ 1665
Tennessee Farmers$ 1094
Tennessee Farmers$ 1094
Texas Farm Bureau$ 1237
Texas Farm Bureau$ 1237
USAA$ 1328
USAA$ 1328

Compare all 2017 Kia Optima Plug-In Hybrid rates

Average Cost to Insure Per Year

$ 1575

List Price

$ 35210

Trims Available

EX