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 including full coverage. Comprehensive insurance costs an estimated $282, collision insurance costs $524, and liability insurance costs around $510. Liability-only coverage costs as low as $568 a year, and high-risk coverage costs $3,246 or more. 16-year-old drivers cost the most to insure at up to $5,728 a year.

Average premium for full coverage: $1,496

Policy rates broken down by type of insurance:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how location impacts insurance prices.

The examples above highlight why everyone should compare prices for a targeted area and risk profile, rather than relying on rate averages.

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

More Rate Information

The chart below breaks down average Kia Stinger insurance rates for other coverage scenarios.

• The best full coverage rate is $866
• Using higher $1,000 deductibles will save approximately $184 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,496
• Buying pricier low deductibles for physical damage coverage will cost an extra $356 a year
• Drivers with multiple tickets or accidents could pay up to $3,246
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,728 or more

View Chart as Image

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

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

Your home state has a huge impact on Kia Stinger insurance rates. A driver around age 40 might see rates as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,130 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 each year, whereas buying more liability protection will increase premiums. Changing 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 are likely paying $1,800 to $2,500 additional every year, depending on your age. Kia Stinger insurance for high-risk drivers can be anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

How to Find Low Cost Kia Stinger Insurance

Finding cheaper rates on Kia Stinger insurance requires having a good driving record, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a review of the information touched on above.

• You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
• Drivers age 20 and younger are expensive to insure, with premiums being up to $477 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $550 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,750 more annually to buy Kia Stinger insurance
• Drivers who want increased levels of liability coverage will pay around $560 per year to increase from a 30/60 limit to 250/500 limits

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!