Kia Optima Hybrid Insurance: by Model Year & Company
Kia Optima Hybrid insurance costs an average of $1,036 for a 6-month full coverage policy. USAA offers the cheapest rate for the latest Kia Optima Hybrid at $150/mo or $897 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Kia Optima Hybrid:
- The Optima Hybrid costs less to insure than most sedans. Averaging $173/mo for the Optima Hybrid versus $203/mo for typical sedans.
- If you're considering a vehicle similar to the Optima Hybrid, like the Kia Sorento Hybrid ($190/mo), Kia Sportage Hybrid ($192/mo), or Kia Sportage Plug-In Hybrid ($207/mo), your insurance costs will be cheaper.
- USAA ($120/mo), American Family ($132/mo), Progressive ($137/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2020 Kia Optima Hybrid
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,794 |
| American Family |
$1,815 |
| Progressive |
$1,822 |
| State Farm |
$2,024 |
| Erie |
$2,081 |
| Nationwide |
$2,673 |
| GEICO |
$2,776 |
| Farmers |
$3,137 |
| Allstate |
$3,510 |
Compare all 2020 Kia Optima Hybrid insurance rates.
Average Cost to Insure Per Year
$2,5002019 Kia Optima Hybrid
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,703 |
| Progressive |
$1,737 |
| American Family |
$1,757 |
| Erie |
$2,072 |
| State Farm |
$2,078 |
| Nationwide |
$2,611 |
| GEICO |
$2,667 |
| Farmers |
$2,961 |
| Allstate |
$3,394 |
Compare all 2019 Kia Optima Hybrid insurance rates.
Average Cost to Insure Per Year
$2,4192018 Kia Optima Hybrid
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,537 |
| American Family |
$1,646 |
| Progressive |
$1,702 |
| State Farm |
$2,020 |
| Erie |
$2,077 |
| GEICO |
$2,524 |
| Nationwide |
$2,651 |
| Farmers |
$2,826 |
| Allstate |
$3,353 |
Compare all 2018 Kia Optima Hybrid insurance rates.
Average Cost to Insure Per Year
$2,3412017 Kia Optima Hybrid
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,535 |
| Progressive |
$1,635 |
| American Family |
$1,954 |
| Erie |
$1,970 |
| State Farm |
$2,037 |
| GEICO |
$2,426 |
| Nationwide |
$2,526 |
| Allstate |
$2,605 |
| Farmers |
$2,722 |
Compare all 2017 Kia Optima Hybrid insurance rates.
Average Cost to Insure Per Year
$2,1862016 Kia Optima Hybrid
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,459 |
| American Family |
$1,571 |
| Progressive |
$1,794 |
| State Farm |
$1,877 |
| Erie |
$1,905 |
| Nationwide |
$2,388 |
| GEICO |
$2,403 |
| Farmers |
$2,734 |
| Allstate |
$2,875 |
Compare all 2016 Kia Optima Hybrid insurance rates.
Average Cost to Insure Per Year
$2,1842015 Kia Optima Hybrid
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,380 |
| American Family |
$1,587 |
| Progressive |
$1,616 |
| Erie |
$1,836 |
| State Farm |
$1,882 |
| GEICO |
$2,318 |
| Nationwide |
$2,346 |
| Farmers |
$2,633 |
| Allstate |
$2,772 |
Compare all 2015 Kia Optima Hybrid insurance rates.
Average Cost to Insure Per Year
$2,1022014 Kia Optima Hybrid
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,317 |
| American Family |
$1,493 |
| Progressive |
$1,612 |
| Erie |
$1,734 |
| State Farm |
$1,751 |
| GEICO |
$2,238 |
| Nationwide |
$2,423 |
| Farmers |
$2,481 |
| Allstate |
$2,773 |
Compare all 2014 Kia Optima Hybrid insurance rates.
Average Cost to Insure Per Year
$2,0562013 Kia Optima Hybrid
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,268 |
| American Family |
$1,439 |
| Progressive |
$1,561 |
| State Farm |
$1,624 |
| Erie |
$1,662 |
| GEICO |
$1,995 |
| Nationwide |
$2,349 |
| Farmers |
$2,396 |
| Allstate |
$2,746 |
Compare all 2013 Kia Optima Hybrid insurance rates.
Average Cost to Insure Per Year
$1,9502012 Kia Optima Hybrid
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,239 |
| American Family |
$1,315 |
| Progressive |
$1,460 |
| State Farm |
$1,551 |
| Erie |
$1,571 |
| Nationwide |
$2,054 |
| GEICO |
$2,084 |
| Farmers |
$2,325 |
| Allstate |
$2,361 |
Compare all 2012 Kia Optima Hybrid insurance rates.
Average Cost to Insure Per Year
$1,8422011 Kia Optima Hybrid
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,200 |
| American Family |
$1,210 |
| Progressive |
$1,454 |
| State Farm |
$1,476 |
| Erie |
$1,509 |
| Nationwide |
$1,997 |
| GEICO |
$2,041 |
| Farmers |
$2,212 |
| Allstate |
$2,779 |