Best Kia Optima Hybrid Auto Insurance Rates 2022
Auto insurance for the Kia Optima Hybrid will vary a lot, because it's based on personal factors like your driving habits, where you live, and how much you drive. The Kia Optima Hybrid has numerous safety features that can help reduce car insurance rates. To find the best deal on Kia Optima Hybrid auto insurance, it's best to compare multiple companies.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jun 17, 2022
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- Crash test ratings have an impact on Kia Optima Hybrid auto insurance rates
- The cost of insurance for a Kia Optima Hybrid depends on the trim level
- Safety features of the Kia Optima Hybrid can earn you a car insurance discount
Before you buy a Kia Optima Hybrid, or even if you already own one, you’ll want to get the best Kia Optima Hybrid auto insurance rates. The cost of auto insurance for a Kia Optima Hybrid can vary from company to company and be based on personal factors like driving record, too.
The best way to get affordable Kia Optima Hybrid auto insurance is to shop around and compare. Before you do that, take a look at the details we’ve gathered on what affects Kia auto insurance for a Optima Hybrid. You can also compare Kia Optima Hybrid auto insurance rates to the average cost of insurance for competitors like Acura RLX and Chevrolet Impala Limited.
To compare Kia Optima Hybrid auto insurance quotes from top companies, enter your ZIP code above now. It’s fast and free.
Table of Contents
Are vehicles like the Kia Optima Hybrid expensive to insure?
Take a look at how insurance rates for similar models to the Kia Optima Hybrid look. These insurance rates for other sedans like the Chevrolet Impala Limited, Acura RLX, and Nissan Sentra give you a good idea of what to expect.
| Vehicle | Comprehensive | Collision | Liability | Total |
|---|---|---|---|---|
| Mercedes-Benz E300 | $394 | $744 | $338 | $1,612 |
| Lincoln MKS | $332 | $640 | $364 | $1,472 |
| Ford Fusion Energi | $336 | $626 | $372 | $1,492 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Subaru WRX | $320 | $566 | $338 | $1,360 |
| Audi A6 | $382 | $744 | $398 | $1,682 |
| Jaguar XE | $382 | $774 | $398 | $1,712 |
| Infiniti Q70 | $370 | $774 | $338 | $1,618 |
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What impacts the cost of Kia Optima Hybrid insurance?
As with any car, your Kia Optima Hybrid car insurance costs will be affected by personal factors like where you live, your driving record, and your driving habits. The Kia Optima Hybrid trim level you buy will also have an impact on the total price you will pay for Kia Optima Hybrid insurance coverage.
Kia Optima Hybrid Crash Test Ratings
Good Kia Optima Hybrid crash test ratings can lower your Kia Optima Hybrid auto insurance rates. You can see Kia Optima Hybrid crash test results here.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2020 Kia Optima Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Kia Optima Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Kia Optima Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Kia Optima Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Kia Optima Hybrid 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
Ways to Save on Kia Optima Hybrid Insurance
Save more on your Kia Optima Hybrid car insurance rates. Take a look at the following five strategies that will get you the best Kia Optima Hybrid auto insurance rates possible.
- Use paperless billing for your Kia Optima Hybrid insurance policy
- Get a plan with only liability coverage if you’re driving an older Kia Optima Hybrid
- Provide your Kia Optima Hybrid VIN when requesting Kia Optima Hybrid auto insurance quotes
- Avoid the temptation to file a claim for minor incidents
- Use an accurate job title when requesting Kia Optima Hybrid auto insurance
Top Kia Optima Hybrid Insurance Companies
What is the best company for affordable Kia Optima Hybrid insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Optima Hybrid insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features found on the Kia Optima Hybrid.
| Rank | Company | Volume | Market Share |
|---|---|---|---|
| 1 | State Farm | $66,153,063 | 9.1% |
| 2 | GEICO | $46,358,896 | 6.4% |
| 3 | Progressive | $41,737,283 | 5.7% |
| 4 | Allstate | $39,210,020 | 5.4% |
| 5 | Liberty Mutual | $36,172,570 | 5.0% |
| 6 | Travelers | $28,786,741 | 4.0% |
| 7 | USAA | $24,621,246 | 3.4% |
| 8 | Chubb | $24,199,582 | 3.3% |
| 9 | Farmers | $20,083,339 | 2.8% |
| 10 | Nationwide | $18,499,967 | 2.5% |
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Comparing Free Kia Optima Hybrid Insurance Quotes Online
You can compare quotes for Kia Optima Hybrid auto insurance rates from some of the best auto insurance companies by using our free online tool now.