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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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Professor & Published Author D. Gilson, PhD

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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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 17, 2022

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Things to Remember

  • 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.

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.


Insurance Rates for Vehicles Similar to the Kia Optima Hybrid

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.

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

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.

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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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