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.

The average insurance rates for a Kia Stinger are $1,458 a year for full coverage. Comprehensive costs around $270, collision costs $494, and liability insurance costs around $514. Liability-only coverage costs as low as $572 a year, with high-risk coverage costing around $3,166. 16-year-old drivers cost the most to insure at $5,616 a year or more.

Average premium for full coverage: $1,458

Policy rates for type of insurance:

Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Stinger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities.

The price range example below illustrates the difference location can make on auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on rate averages.

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

Additional Rate Information

The chart below shows estimated Kia Stinger insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $847
• Using higher $1,000 deductibles will save about $174 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,458
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,794
• Drivers with multiple tickets or accidents could pay at least $3,166 or more
• Policy cost that insures a teen driver with full coverage can be $5,616 or more

View Chart as Image

Insurance rates for a Kia Stinger also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,700 to $2,400 additional every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,600 a year. View Rates by Age

Your home state has a huge impact on Kia Stinger insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Idaho, Maine, and Iowa, or at least $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $510 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $462 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and rates will be varied.

How to Find the Best Cheap Kia Stinger Insurance

Finding cheaper rates on Kia Stinger insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop at every policy renewal by getting quotes from direct carriers, and also from several local insurance agents.

Below is a quick review of the data touched on in this article.

• Drivers who may need higher levels of liability will pay around $570 each year to increase from a 30/60 limit to the 250/500 level
• Drivers can save up to $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Teenage drivers are charged the highest rates, costing up to $468 each month if comprehensive and collision insurance is included

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!