Kia Stinger Insurance Rates

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 insurance prices for a Kia Stinger are $1,496 every 12 months for full coverage. Comprehensive insurance costs on average $282, collision costs $524, and liability costs around $510. Buying just liability costs as low as $568 a year, with insurance for high-risk drivers costing $3,246 or more. Teenage drivers pay the highest rates at $5,728 a year or more.

Average premium for full coverage: $1,496

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Stinger trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

The ranges above show why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows estimated Kia Stinger insurance rates for different risk profiles and scenarios.

• The best discount rate is $866
• Using higher $1,000 deductibles will save around $184 a year
• The average price for the average middle-age driver with $500 deductibles is $1,496
• Using more expensive low deductibles for physical damage coverage costs an extra $356 every year
• Drivers who are prone to accidents and violations could pay upwards of $3,246 or more
• The price to insure a teen driver with full coverage may cost $5,728 or more

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Insurance prices for a Kia Stinger are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Stinger.

Using high physical damage deductibles could cut prices by as much as $540 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $459 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,500 additional each year, depending on your age. High-risk driver insurance can be as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Kia Stinger insurance prices. A driver around age 40 might see prices as low as $990 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,130 on average in Michigan, Louisiana, and New York.

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Since prices can be so different, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, and prices may be quite different.

How to Shop for the Best Cheap Kia Stinger Insurance

Getting lower rates on car insurance requires being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a quick review of the material that was touched on above.

• Policyholders who require more liability coverage will pay an extra $560 each year to increase from a low limit to a 250/500 level
• Teen drivers pay higher prices, with premiums as much as $477 a month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation pay an average of $1,750 more each year to insure their Stinger
• Increasing physical damage deductibles could save as much as $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.

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.

• Buick LaCrosse
• Chrysler 300
• Ford Taurus

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!