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.

Average insurance rates for a Kia Stinger are $1,458 a year for full coverage insurance. Comprehensive costs on average $270 a year, collision costs $494, and liability costs around $514. A policy with just liability insurance costs as low as $572 a year, with coverage for high-risk drivers costing around $3,166. Teen drivers receive the highest rates at $5,616 a year or more.

Average premium for full coverage: $1,458

Rate estimates by individual coverage type:

Price estimates include $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Stinger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates how where you live affects car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Kia Stinger insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $847
• Using higher $1,000 deductibles will save around $1,284 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,458
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,794
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,166 or more
• The cost that insures a 16-year-old driver may cost $5,616 or more

View Chart as Image

Insurance rates for a Kia Stinger can also vary considerably based on the trim level of your Stinger, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,600 a year. View Rates by Age

Where you live has a huge impact on Kia Stinger insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $510 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $462 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different.

How to Find Cheaper Kia Stinger Insurance

Saving money on insurance for a Kia Stinger requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a condensed summary of the data touched on in the above illustrations.

• Insureds who require higher liability limits will pay about $570 annually to increase from a minimum limit to the 250/500 level
• It is possible to save as much as $170 per year simply by quoting early and online
• Increasing deductibles can save approximately $500 each year
• Teens pay higher rates, costing up to $468 per 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!