Kia Stinger Insurance Rates

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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 rates for a Kia Stinger are $1,496 a year with full coverage. Comprehensive costs around $282 each year, collision insurance costs $524, and liability is estimated at $510. Liability-only insurance costs approximately $568 a year, and high-risk driver insurance costs around $3,246. Teenage drivers pay the most at up to $5,728 a year.

Average premium for full coverage: $1,496

Premium estimates for type of coverage:

Comprehensive $282
Collision $524
Liability $510

Prices include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Stinger models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Kia Stinger range from as low as $568 for just liability insurance to a high rate of $3,246 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance rates.

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

These rate differences demonstrate why all drivers should get quotes for a specific zip code and risk profile, instead of making a decision based 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.

More Rate Details

The chart below details average Kia Stinger insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $866
  • Choosing higher $1,000 deductibles can save about $184 annually
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,496
  • Using low deductibles for comp and collision coverage will increase the cost to $1,852
  • Higher-risk drivers who are prone to accidents and violations could pay at least $3,246
  • An auto insurance policy for full coverage for a 16-year-old driver can be $5,728 each year

View Chart as Image

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

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

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $5,700 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Kia Stinger insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,020 on average in Florida, Michigan, and New York.

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

Using high physical damage deductibles can save as much as $540 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $459 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,800 to $2,500 additional annually, depending on your age. Insurance for high-risk drivers ranges from 44% to 134% more than a normal policy. View High Risk Driver Rates

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 Find the Right Kia Stinger Insurance

Finding better rates on insurance for a Kia Stinger takes having a good driving record, having a good credit history, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates once a year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a quick rundown of the data that was covered in the above illustrations.

  • You may be able to save up to $180 per year just by quoting online in advance
  • Insureds who may need increased levels of liability coverage will pay an extra $560 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
  • Drivers age 20 and younger are charged the highest prices, possibly costing $477 per month including comprehensive and collision insurance
  • Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,750 more every year 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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