Kia Stinger Insurance Rates

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 18, 2024

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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.

U.S. average auto insurance rates for a Kia Stinger are $1,496 annually for full coverage insurance. Comprehensive insurance costs an estimated $282 each year, collision insurance costs $524, and liability insurance is $510. Liability-only coverage costs around $568 a year, and high-risk coverage costs $3,246 or more. Teens pay the highest rates at up to $5,728 a year.

Average premium for full coverage: $1,496

Price estimates broken down by individual coverage:

Comprehensive $282
Collision $524
Liability $510

These estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Stinger models.

Price Range from Low to High

Using a middle-aged driver as an example, Kia Stinger insurance prices range from as cheap as $568 for minimum levels of liability insurance to a high rate of $3,246 for high-risk insurance.

Liability Only $568
Full Coverage $1,496
High Risk $3,246

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates how where you live affects insurance prices.

Rural Areas $1,122
Small Cities $1,571
Large Cities $2,020

The ranges above illustrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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 Details

The chart below illustrates average Kia Stinger insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $866
  • Raising to $1,000 deductibles will save approximately $184 each year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,496
  • Selecting low deductibles costs an additional $356 a year
  • Higher-risk drivers with serious driving violations could pay up to $3,246
  • The price with full coverage for a teen driver can cost as much as $5,728

View Chart as Image

Kia Stinger insurance cost comparison chart
Column chart showing Kia Stinger insurance prices range from $866 to $5,728 for full coverage

Auto insurance prices for a Kia Stinger are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $5,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying $1,800 to $2,500 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $540 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $459 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Kia Stinger insurance rates. A middle-age driver might find prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,020 on average in Florida, New York, and Michigan.

Kia Stinger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,350 -$146 -9.8%
Alaska $1,146 -$350 -23.4%
Arizona $1,242 -$254 -17.0%
Arkansas $1,496 -$0 0.0%
California $1,704 $208 13.9%
Colorado $1,424 -$72 -4.8%
Connecticut $1,534 $38 2.5%
Delaware $1,690 $194 13.0%
Florida $1,870 $374 25.0%
Georgia $1,380 -$116 -7.8%
Hawaii $1,072 -$424 -28.3%
Idaho $1,012 -$484 -32.4%
Illinois $1,112 -$384 -25.7%
Indiana $1,128 -$368 -24.6%
Iowa $1,008 -$488 -32.6%
Kansas $1,418 -$78 -5.2%
Kentucky $2,038 $542 36.2%
Louisiana $2,212 $716 47.9%
Maine $924 -$572 -38.2%
Maryland $1,232 -$264 -17.6%
Massachusetts $1,192 -$304 -20.3%
Michigan $2,594 $1,098 73.4%
Minnesota $1,250 -$246 -16.4%
Mississippi $1,790 $294 19.7%
Missouri $1,326 -$170 -11.4%
Montana $1,606 $110 7.4%
Nebraska $1,178 -$318 -21.3%
Nevada $1,794 $298 19.9%
New Hampshire $1,078 -$418 -27.9%
New Jersey $1,672 $176 11.8%
New Mexico $1,324 -$172 -11.5%
New York $1,574 $78 5.2%
North Carolina $862 -$634 -42.4%
North Dakota $1,224 -$272 -18.2%
Ohio $1,032 -$464 -31.0%
Oklahoma $1,534 $38 2.5%
Oregon $1,370 -$126 -8.4%
Pennsylvania $1,424 -$72 -4.8%
Rhode Island $1,992 $496 33.2%
South Carolina $1,354 -$142 -9.5%
South Dakota $1,262 -$234 -15.6%
Tennessee $1,306 -$190 -12.7%
Texas $1,800 $304 20.3%
Utah $1,106 -$390 -26.1%
Vermont $1,022 -$474 -31.7%
Virginia $894 -$602 -40.2%
Washington $1,154 -$342 -22.9%
West Virginia $1,370 -$126 -8.4%
Wisconsin $1,032 -$464 -31.0%
Wyoming $1,330 -$166 -11.1%

View Chart as Image

Kia Stinger insurance rates by U.S. city
Kia Stinger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Kia Stinger $332 $626 $450 $1,588
2022 Kia Stinger $320 $610 $470 $1,580
2021 Kia Stinger $310 $586 $486 $1,562
2020 Kia Stinger $292 $564 $500 $1,536
2019 Kia Stinger $282 $524 $510 $1,496
2018 Kia Stinger $270 $494 $514 $1,458

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 Buy Cheap Kia Stinger Insurance

Getting lower rates on Kia Stinger insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a brief summary of the material that was touched on in the above illustrations.

  • Drivers who want higher levels of liability will pay approximately $560 annually to raise from a low limit to higher 250/500 limits
  • Teenage drivers are the costliest to insure, as much as $477 a month if full coverage is included
  • High-risk drivers that tend to have accidents or serious violations may pay on average $1,750 more annually for auto insurance
  • Increasing physical damage deductibles could save up to $550 each year

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!

Rates by Driver Age

Kia Stinger Insurance Rates by Driver Age
Driver Age Premium
16 $5,728
20 $3,464
30 $1,548
40 $1,496
50 $1,368
60 $1,342

Full coverage, $500 deductibles

Rates by Deductible

Kia Stinger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,852
$250 $1,686
$500 $1,496
$1,000 $1,312

Full coverage, driver age 40

Rates by Liability Limit

Kia Stinger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,496
50/100 $1,598
100/300 $1,726
250/500 $2,057
100 CSL $1,649
300 CSL $1,930
500 CSL $2,134

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Stinger Insurance Rates for High Risk Drivers
Age Premium
16 $8,156
20 $5,520
30 $3,304
40 $3,246
50 $3,102
60 $3,074

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.

SR-22 Surcharge $210

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $80
Homeowner $23
5-yr Accident Free $107
5-yr Claim Free $97
Paid in Full/EFT $66
Advance Quote $73
Online Quote $105
Total Discounts $630
Rate after discounts $866

Discounts are estimated and may not be available from every company or in every state.

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