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 rates for a Kia Stinger are $1,496 a year for full coverage. Comprehensive insurance costs on average $282, collision costs $524, and liability insurance is estimated at $510. Liability-only coverage costs approximately $568 a year, with high-risk coverage costing $3,246 or more. Teenage drivers cost the most to insure at $5,728 a year or more.

Average premium for full coverage: $1,496

Policy rates by type of insurance:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for all Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above show why everyone should get quotes based on a specific location and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $866
• Choosing higher $1,000 deductibles can save around $184 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,496
• Using pricier low deductibles for comp and collision coverage will cost an extra $356 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,246 or more
• Policy cost for full coverage for a teen driver for full coverage may cost $5,728 each year

View Chart as Image

Insurance rates for a Kia Stinger also range considerably based on your risk profile, the trim level of your Stinger, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Stinger insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,130 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $540 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 additional every year, depending on your age. Kia Stinger insurance for high-risk drivers ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates will be varied from one company to the next.

How to Find the Right Kia Stinger Insurance

Finding cheaper rates on Kia Stinger insurance takes being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below you'll find a quick rundown of the concepts that were raised in the charts and tables above.

• High-risk drivers with reckless driving or DUI convictions will pay on average $1,750 more each year than a low-risk driver
• Youthful drivers pay higher rates, costing up to $477 each month including comprehensive and collision insurance
• Drivers can save as much as $180 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers can save as much as $180 per year simply by quoting online well ahead of the renewal date

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!