Kia Stinger Insurance Rates
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UPDATED: Jun 6, 2023
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Shopping around to find the best Kia Stinger insurance rates can be confusing if you don’t have a good frame of reference. You might be asking, “Is the Kia Stinger expensive to insure?” That’s why you should know that the average Kia Stinger GT insurance cost is $1,618 a year, or $135 every month for full coverage.
We have prepared this comprehensive guide to aid you in your search for insurance on a Kia Stinger. In it, you will learn how things like crash test ratings, safety features, and driver age all play a part in determining Kia Stinger rates.
If you want to skip ahead, take advantage of our free online quote tool to start comparing Kia Stinger insurance prices right now.
Average insurance rates for a Kia Stinger are $1,562 a year including full coverage. Comprehensive insurance costs around $310 each year, collision insurance costs $586, and liability costs $486. A policy with just liability insurance costs as little as $548 a year, and coverage for high-risk drivers costs $3,384 or more. Teenage drivers receive the highest rates at up to $5,892 a year.
Average premium for full coverage: $1,562
Rate estimates for individual coverage type:
Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Stinger models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from the low end price of $548 for just the minimum liability insurance to a high rate of $3,384 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.
These examples highlight why all drivers should compare rates for a specific zip code, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below breaks down average Kia Stinger insurance rates for additional coverage choices and driver risks.
- The best discount rate is $897
- Drivers who choose higher $1,000 deductibles will pay about $204 every year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,562
- Using low deductibles for comprehensive and collision insurance will cost an additional $394 annually
- Drivers who are prone to accidents and violations could pay at least $3,384
- The cost that insures a 16-year-old driver can be $5,892 a year
Insurance rates for a Kia Stinger can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are likely paying at least $1,900 to $2,600 additional per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,800 a year. View Rates by Age
Where you live makes a big difference in Kia Stinger insurance prices. A 40-year-old driver could pay as low as $1,200 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,220 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,408 | -$154 | -9.9% |
| Alaska | $1,196 | -$366 | -23.4% |
| Arizona | $1,294 | -$268 | -17.2% |
| Arkansas | $1,562 | -$0 | 0.0% |
| California | $1,774 | $212 | 13.6% |
| Colorado | $1,488 | -$74 | -4.7% |
| Connecticut | $1,602 | $40 | 2.6% |
| Delaware | $1,764 | $202 | 12.9% |
| Florida | $1,950 | $388 | 24.8% |
| Georgia | $1,440 | -$122 | -7.8% |
| Hawaii | $1,118 | -$444 | -28.4% |
| Idaho | $1,056 | -$506 | -32.4% |
| Illinois | $1,160 | -$402 | -25.7% |
| Indiana | $1,178 | -$384 | -24.6% |
| Iowa | $1,052 | -$510 | -32.7% |
| Kansas | $1,480 | -$82 | -5.2% |
| Kentucky | $2,126 | $564 | 36.1% |
| Louisiana | $2,308 | $746 | 47.8% |
| Maine | $962 | -$600 | -38.4% |
| Maryland | $1,286 | -$276 | -17.7% |
| Massachusetts | $1,246 | -$316 | -20.2% |
| Michigan | $2,706 | $1,144 | 73.2% |
| Minnesota | $1,304 | -$258 | -16.5% |
| Mississippi | $1,868 | $306 | 19.6% |
| Missouri | $1,382 | -$180 | -11.5% |
| Montana | $1,674 | $112 | 7.2% |
| Nebraska | $1,228 | -$334 | -21.4% |
| Nevada | $1,870 | $308 | 19.7% |
| New Hampshire | $1,124 | -$438 | -28.0% |
| New Jersey | $1,744 | $182 | 11.7% |
| New Mexico | $1,380 | -$182 | -11.7% |
| New York | $1,642 | $80 | 5.1% |
| North Carolina | $898 | -$664 | -42.5% |
| North Dakota | $1,278 | -$284 | -18.2% |
| Ohio | $1,076 | -$486 | -31.1% |
| Oklahoma | $1,600 | $38 | 2.4% |
| Oregon | $1,428 | -$134 | -8.6% |
| Pennsylvania | $1,484 | -$78 | -5.0% |
| Rhode Island | $2,078 | $516 | 33.0% |
| South Carolina | $1,414 | -$148 | -9.5% |
| South Dakota | $1,316 | -$246 | -15.7% |
| Tennessee | $1,362 | -$200 | -12.8% |
| Texas | $1,876 | $314 | 20.1% |
| Utah | $1,150 | -$412 | -26.4% |
| Vermont | $1,068 | -$494 | -31.6% |
| Virginia | $932 | -$630 | -40.3% |
| Washington | $1,202 | -$360 | -23.0% |
| West Virginia | $1,428 | -$134 | -8.6% |
| Wisconsin | $1,078 | -$484 | -31.0% |
| Wyoming | $1,388 | -$174 | -11.1% |
Using high physical damage deductibles could save up to $600 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $438 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Stinger | $310 | $586 | $486 | $1,562 |
Rates are averaged for all Kia Stinger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Kia Stinger Insurance
Saving money on insurance for a Kia Stinger not only requires having a good driving record, but also having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The next list is a brief review of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,820 more every year to buy Kia Stinger insurance
- You may be able to save up to $190 per year just by quoting online in advance
- Increasing deductibles can save approximately $600 each year
- Insureds who may need increased levels of liability coverage will pay an extra $540 per year to go from a minimum limit to the 250/500 level
Some people ask, “Is a Kia Stinger considered a sports car?” Many place consider it a luxury sports car. Also, you may be wonder, “Is the Kia Stinger worth buying?” We would say yes. It’s all about having all the information and making an informed decision though. The Kia Stinger reliability is a question worth asking. It’s a working man’s luxury sports car with a great price. There are some maintenance issues but again if you have the information and can budget shouldn’t be a problem.
As you can see from some of the information we’ve gone over to this point, there are several individual factors that influence Kia Stinger insurance costs.
If you want to bypass the theoretical part of shopping for insurance, take advantage of our free quote tool below to start comparing quotes from multiple companies right now.
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What are the safety ratings of the Kia Stinger?
It’s important to consider the safety ratings of the Kia Stinger to get a full view of how well the car protects its occupants in the event of a collision.
One way to figure this out is by reviewing the crash test ratings of the Kia Stinger with results administered by the Insurance Institute for Highway Safety.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
As you can see, the Kia Stingerachieved the highest rating possible in every area. Beyond that, the 2020 Kia Stinger was awarded as a Top Safety Pick when equipped with specific headlights.
Kia Stinger Compared Against Other Vehicles in the Same Class
Classified as a large four-door car by the Insurance Institute for Highway Safety, the Kia Stinger is bigger than a lot of sedans. While heavier models typically translate to lower insurance rates, the best way to know if Kia Stinger insurance rates are affordable is by comparing the average rate with other similar models.
Take a look at the following large cars to see how their insurance rates compare to the Kia Stinger.
To this point, we have gone into excessive detail about Kia Stinger insurance costs. Do you feel that there are any details we might have missed? If not, use our free online tool to start comparing Kia Stinger insurance quotes from top companies right now!
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,892 |
| 20 | $3,612 |
| 30 | $1,620 |
| 40 | $1,562 |
| 50 | $1,426 |
| 60 | $1,398 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,956 |
| $250 | $1,772 |
| $500 | $1,562 |
| $1,000 | $1,358 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,562 |
| 50/100 | $1,659 |
| 100/300 | $1,781 |
| 250/500 | $2,097 |
| 100 CSL | $1,708 |
| 300 CSL | $1,975 |
| 500 CSL | $2,170 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,404 |
| 20 | $5,754 |
| 30 | $3,452 |
| 40 | $3,384 |
| 50 | $3,230 |
| 60 | $3,204 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $83 |
| Multi-vehicle | $83 |
| Homeowner | $24 |
| 5-yr Accident Free | $115 |
| 5-yr Claim Free | $101 |
| Paid in Full/EFT | $71 |
| Advance Quote | $77 |
| Online Quote | $111 |
| Total Discounts | $665 |
Discounts are estimated and may not be available from every company or in every state.
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