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 HybridKia Optima Hybrid

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.

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