Kia Stinger Insurance Rates

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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.

Estimated insurance prices for a Kia Stinger are $1,496 every 12 months with full coverage. Comprehensive costs an estimated $282 a year, collision costs $524, and liability is $510. Liability-only coverage costs around $568 a year, with high-risk coverage costing around $3,246. Teenage drivers pay the most at $5,728 a year or more.

Average premium for full coverage: $1,496

Premium estimates broken down by type of coverage:

Comprehensive $282
Collision $524
Liability $510

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Stinger trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Kia Stinger go from the cheapest price of $568 for just liability insurance to a high of $3,246 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

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

These rate differences demonstrate why it is important to compare rates quotes for a targeted area and their own driving history, instead of using 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.

More Rate Details

The chart below details estimated Kia Stinger insurance rates for other coverage scenarios.

  • The best discount rate is $866
  • Raising to $1,000 deductibles will save approximately $1,312 annually
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,496
  • Using low $100 deductibles increases the price to $1,852
  • At-risk drivers who are prone to accidents and violations could pay up to $3,246 or more
  • An auto insurance policy to insure a teen driver can cost as much as $5,728

View Chart as Image

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

Insurance prices for a Kia Stinger also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $540 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $459 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Kia Stinger insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,020 on average in New York, Michigan, and Florida.

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

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different.

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 Shop for the Best Kia Stinger Insurance

Finding better rates on car insurance consists of having a good driving record, having good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates every year by quoting rates from direct companies, and also from your local independent and exclusive agents.

The next list is a brief recap of the coverage data covered above.

  • You may be able to save approximately $180 per year simply by quoting early and online
  • Increasing policy deductibles could save as much as $550 each year
  • Drivers age 20 and younger are charged the highest prices, possibly costing $477 per month if they have full coverage
  • Higher risk drivers who tend to receive serious violations may pay on average $1,750 more annually to buy Kia Stinger insurance

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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