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 auto insurance rates for a Kia Stinger are $1,458 annually for full coverage. Comprehensive costs on average $270 a year, collision insurance costs $494, and liability insurance costs $514. Buying just liability costs as little as $572 a year, and insurance for high-risk drivers costs around $3,166. Teen drivers cost the most to insure at up to $5,616 a year.

Average premium for full coverage: $1,458

Policy rates by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Stinger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas. The diagram below illustrates how geographic area affects car insurance rates.

The examples above show why it is important to compare rates based on a specific location and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $847
• Drivers who choose higher $1,000 deductibles will pay around $1,284 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,458
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $1,794
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,166
• Policy cost with full coverage for a teen driver may cost $5,616 a year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $510 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $462 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Kia Stinger insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Cheap Kia Stinger Insurance

Finding cheaper rates on Kia Stinger insurance not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates at least once a year by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a brief summary of the primary concepts that were presented in the illustrations above.

• Drivers can save as much as $170 per year just by quoting early and online
• High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,710 more each year to insure a Kia Stinger
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Drivers under the age of 20 pay the highest rates, costing up to $468 each month including comprehensive and collision 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!