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 prices for a Kia Stinger are $1,458 every 12 months including full coverage. Comprehensive insurance costs approximately $270 a year, collision costs $494, and liability coverage costs around $514. A liability-only policy costs as low as $572 a year, with high-risk insurance costing $3,166 or more. Teens cost the most to insure at $5,616 a year or more.

Average premium for full coverage: $1,458

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Stinger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated Kia Stinger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $847
• Using higher $1,000 deductibles will save $1,284 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,458
• Selecting low $100 deductibles for physical damage coverage costs an extra $336 each year
• Higher-risk drivers with serious driving violations could pay around $3,166 or more
• Policy cost to insure a teenage driver can cost $5,616 or more

View Chart as Image

Car insurance rates for a Kia Stinger also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Stinger.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $462 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $5,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Kia Stinger insurance rates. A driver around age 40 might see rates 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.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Each insurance company calculates rates differently, so rate quotes will be varied.

How to Shop for Affordable Kia Stinger Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Spend time shopping around once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a brief review of the data that was touched on above.

• You may be able to save around $170 per year simply by quoting early and online
• Consumers who purchase higher levels of liability will pay approximately $570 per year to increase from a 30/60 limit to a 250/500 level
• Teenage drivers pay the highest auto insurance rates, with premiums being up to $468 each month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions could be charged and average of $1,710 more per year for auto 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.

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!