Kia Stinger Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
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.
Average insurance rates for a Kia Stinger are $1,458 a year including full coverage. Comprehensive insurance costs approximately $270 a year, collision insurance costs $494, and liability costs $514. Buying just liability costs as little as $572 a year, and insurance for high-risk drivers costs $3,166 or more. Teens receive the highest rates at up to $5,616 a year.
Average premium for full coverage: $1,458
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Stinger trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $572 for just liability coverage to a high of $3,166 for a driver that may need high-risk insurance.
Price Range by Location
Your location can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance prices.
These examples highlight why it is important to compare rates using their specific location and risk profile, instead of using 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.
Detailed Rate Analysis
The chart below breaks down average Kia Stinger insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $847
- Drivers who choose higher $1,000 deductibles will pay $1,284 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,458
- Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $336 every year
- Higher-risk drivers with serious driving violations could pay around $3,166
- The cost for full coverage for a teen driver can cost $5,616 a year
Auto insurance rates for a Kia Stinger can also vary considerably based on your driver profile, the model of your Stinger, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $5,600 a year. View Rates by Age
Where you live makes a big difference in Kia Stinger insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,080 on average in Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $510 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $462 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates
| 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 Find the Best Kia Stinger Insurance
Saving money on car insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and possibly higher deductibles. Invest the time to shop around once a year by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
The items below are a brief recap of the data that was illustrated above.
- You may be able to save around $170 per year just by quoting early and online
- Policyholders who purchase more liability coverage will pay approximately $570 per year to go from a minimum limit to 250/500 limits
- Teen drivers have the highest car insurance rates, as much as $468 per month if they have full coverage
- Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,710 more per year to insure their Stinger
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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