Best Kia Optima Hybrid Auto Insurance Rates 2021

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 17, 2021

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Things to Remember

  • Crash test ratings have an impact on Kia Optima Hybrid auto insurance rates
  • Safety features of the Kia Optima Hybrid can earn you a car insurance discount
  • The cost of insurance for a Kia Optima Hybrid depends on the trim level

Buying a new car is both fun and a lot of work. If the Kia Optima Hybrid is on your list (or if you’ve already made your choice) you need all of the information before you move forward. We’ve gathered what you need to know when you buy a Kia Optima Hybrid right here.

Take a look at what you can expect in terms of insurance rates for the Kia Optima Hybrid and compare it to other similar vehicles. Then find out how the Kia Optima Hybrid stacks up in terms of safety ratings and features, as well as what it costs to buy a Kia Optima Hybrid right here.

If you need insurance for a Kia Optima Hybrid right now, we can help. Enter your ZIP code for free Kia Optima Hybrid car insurance quotes from top companies.

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 Lexus ES 250, Mercury Montego, and Chrysler Imperial give you a good idea of what to expect.


Insurance Rates for Vehicles Similar to the Kia Optima Hybrid

Vehicle Comprehensive Collision Liability Total
Dodge Charger $376 $626 $466 $1,668
Buick LaCrosse $320 $566 $338 $1,360
Jaguar XJ $430 $872 $416 $1,876
Cadillac CTS $320 $626 $398 $1,502
Chevrolet Malibu $322 $532 $372 $1,384
Cadillac STS $288 $504 $390 $1,318
Mercury Milan $206 $350 $390 $1,082
Honda Accord $280 $500 $372 $1,310

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What impacts the cost of Kia Optima Hybrid insurance?

The Kia Optima Hybrid trim and model you choose can impact the total price you will pay for Kia Optima Hybrid insurance coverage.
You can also expect your Kia Optima Hybrid rates to be affected by where you live, your driving history, and in most states your age and gender.

Kia Optima Hybrid Crash Test Ratings

The Kia Optima Hybrid crash test ratingswill have an affect on Kia Optima Hybrid car insurance rates. Take a look at crash test results for the Kia Optima Hybrid.

Kia Optima Hybrid Crash Test Ratings

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

There are several ways you can save even more on your Kia Optima Hybrid car insurance rates. Take a look at the following five tips:

  • Ask about a student away from home discount
  • Check your Kia Optima Hybrid policy carefully to ensure all information is correct
  • Understand the different types of auto insurance for your Kia Optima Hybrid
  • Use an accurate job title when requesting Kia Optima Hybrid auto insurance
  • Save money on young driver Kia Optima Hybrid insurance with a good student discount

Top Kia Optima Hybrid Insurance Companies

Several insurance companies offer competitive rates for the Kia Optima Hybrid based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Kia Optima Hybrid drivers organized by market share.

Largest Auto Insurers by Market Share

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.

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

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