Kia Stinger Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 $1,458 annually for full coverage insurance. Comprehensive insurance costs an estimated $270 a year, collision insurance costs $494, and liability insurance is $514. Liability-only insurance costs around $572 a year, and high-risk driver insurance costs $3,166 or more. Teenage drivers pay the highest rates at up to $5,616 a year.
Average premium for full coverage: $1,458
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Stinger trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia Stinger insurance prices range from as cheap as $572 for the bare minimum liability coverage to a high of $3,166 for a policy for a high-risk driver.
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 densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.
The ranges above illustrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than relying 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 Information
The chart below illustrates average Kia Stinger insurance rates for other coverage scenarios.
- The best discount rate is $847
- Raising to $1,000 deductibles will save approximately $1,284 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,458
- Using low $100 deductibles costs an additional $336 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,166
- The price with full coverage for a teen driver can cost as much as $5,616
Car 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.
Older drivers with no driving violations 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 be charged at least $5,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $510 each year, while buying higher 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 $462 extra every 12 months. 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 $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,970 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,318 | -$140 | -9.6% |
| Alaska | $1,116 | -$342 | -23.5% |
| Arizona | $1,212 | -$246 | -16.9% |
| Arkansas | $1,458 | -$0 | 0.0% |
| California | $1,660 | $202 | 13.9% |
| Colorado | $1,392 | -$66 | -4.5% |
| Connecticut | $1,498 | $40 | 2.7% |
| Delaware | $1,650 | $192 | 13.2% |
| Florida | $1,824 | $366 | 25.1% |
| Georgia | $1,348 | -$110 | -7.5% |
| Hawaii | $1,046 | -$412 | -28.3% |
| Idaho | $986 | -$472 | -32.4% |
| Illinois | $1,086 | -$372 | -25.5% |
| Indiana | $1,100 | -$358 | -24.6% |
| Iowa | $984 | -$474 | -32.5% |
| Kansas | $1,382 | -$76 | -5.2% |
| Kentucky | $1,988 | $530 | 36.4% |
| Louisiana | $2,158 | $700 | 48.0% |
| Maine | $900 | -$558 | -38.3% |
| Maryland | $1,202 | -$256 | -17.6% |
| Massachusetts | $1,164 | -$294 | -20.2% |
| Michigan | $2,530 | $1,072 | 73.5% |
| Minnesota | $1,220 | -$238 | -16.3% |
| Mississippi | $1,748 | $290 | 19.9% |
| Missouri | $1,292 | -$166 | -11.4% |
| Montana | $1,566 | $108 | 7.4% |
| Nebraska | $1,148 | -$310 | -21.3% |
| Nevada | $1,750 | $292 | 20.0% |
| New Hampshire | $1,050 | -$408 | -28.0% |
| New Jersey | $1,632 | $174 | 11.9% |
| New Mexico | $1,292 | -$166 | -11.4% |
| New York | $1,536 | $78 | 5.3% |
| North Carolina | $840 | -$618 | -42.4% |
| North Dakota | $1,194 | -$264 | -18.1% |
| Ohio | $1,006 | -$452 | -31.0% |
| Oklahoma | $1,494 | $36 | 2.5% |
| Oregon | $1,336 | -$122 | -8.4% |
| Pennsylvania | $1,388 | -$70 | -4.8% |
| Rhode Island | $1,944 | $486 | 33.3% |
| South Carolina | $1,320 | -$138 | -9.5% |
| South Dakota | $1,230 | -$228 | -15.6% |
| Tennessee | $1,274 | -$184 | -12.6% |
| Texas | $1,756 | $298 | 20.4% |
| Utah | $1,078 | -$380 | -26.1% |
| Vermont | $998 | -$460 | -31.6% |
| Virginia | $872 | -$586 | -40.2% |
| Washington | $1,124 | -$334 | -22.9% |
| West Virginia | $1,336 | -$122 | -8.4% |
| Wisconsin | $1,008 | -$450 | -30.9% |
| Wyoming | $1,298 | -$160 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Kia Stinger | $320 | $610 | $470 | $1,580 |
| 2022 Kia Stinger | $310 | $586 | $486 | $1,562 |
| 2021 Kia Stinger | $292 | $564 | $500 | $1,536 |
| 2020 Kia Stinger | $282 | $524 | $510 | $1,496 |
| 2019 Kia Stinger | $270 | $494 | $514 | $1,458 |
| 2018 Kia Stinger | $258 | $442 | $520 | $1,400 |
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 More Affordable Kia Stinger Insurance
Getting lower rates on Kia Stinger insurance consists of being a good driver, having a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to shop around every year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a summary of the coverage data raised in the charts and tables above.
- It is possible to save approximately $170 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $500 each year
- Drivers age 16 to 20 have the highest car insurance prices, as much as $468 a month if comprehensive and collision insurance is included
- High-risk drivers who have multiple accidents or major violations may pay on average $1,710 more annually than a safer driver
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 | $5,616 |
| 20 | $3,374 |
| 30 | $1,506 |
| 40 | $1,458 |
| 50 | $1,336 |
| 60 | $1,310 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,794 |
| $250 | $1,638 |
| $500 | $1,458 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,458 |
| 50/100 | $1,561 |
| 100/300 | $1,689 |
| 250/500 | $2,023 |
| 100 CSL | $1,612 |
| 300 CSL | $1,895 |
| 500 CSL | $2,101 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,988 |
| 20 | $5,378 |
| 30 | $3,218 |
| 40 | $3,166 |
| 50 | $3,022 |
| 60 | $2,996 |
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 | $77 |
| Multi-vehicle | $78 |
| Homeowner | $23 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $63 |
| Advance Quote | $71 |
| Online Quote | $102 |
| Total Discounts | $611 |
Discounts are estimated and may not be available from every company or in every state.
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