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 an estimated $270 a year, collision insurance costs $494, and liability insurance is $514. Liability-only coverage costs around $572 a year, and high-risk coverage costs around $3,166. Teenage drivers receive the highest rates at up to $5,616 a year.

Average premium for full coverage: $1,458

Rate estimates broken down by individual coverage type:

Prices are based on $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Stinger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

These examples illustrate why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $847
• Raising to $1,000 deductibles will save approximately $1,284 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,458
• Using low $100 deductibles will increase the cost to $1,794
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,166
• The cost for full coverage for a teen driver can cost as much as $5,616

View Chart as Image

Car insurance rates for a Kia Stinger can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,600 a year. View Rates by Age

Where you live also has a big influence on Kia Stinger insurance rates. A middle-age driver might find rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $510 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $462 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Kia Stinger Insurance

Saving money on Kia Stinger insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest time comparing rates every couple of years by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following is a brief review of the material that was covered in the charts and tables above.

• Drivers who want higher liability limits will pay an extra $570 annually to raise from a minimum limit to 250/500 limits
• Teens have the highest car insurance rates, costing up to $468 per month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions pay on average $1,710 more annually for Stinger insurance
• Increasing deductibles can save around $500 each year

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!