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 insurance. Comprehensive costs on average $282 a year, collision costs $524, and liability insurance costs around $510. Liability-only insurance costs as low as $568 a year, with high-risk driver insurance costing around $3,246. 16-year-old 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:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Stinger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the difference location can make on car insurance rates.

The examples above illustrate why it is important to compare prices based on a specific location, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $866
• Using higher $1,000 deductibles will save around $1,312 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,496
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,852
• Drivers with multiple tickets or accidents could pay upwards of $3,246 or more
• Policy cost that insures a teen driver may cost $5,728 or more

View Chart as Image

Auto insurance rates for a Kia Stinger also range considerably based on the trim level of your Stinger, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,800 to $2,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $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 $980 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,020 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $459 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates will be varied.

How to Find Low Cost Kia Stinger Insurance

Finding cheaper rates on Kia Stinger insurance requires being a good driver, maintaining a good credit score, being claim-free, and taking advantage of discounts. Comparison shop every other policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a review of the ideas that were touched on in this article.

• Drivers age 16 to 20 are charged the highest rates, possibly costing $477 each month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations may pay on average $1,750 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• It is possible to save as much as $180 per year simply by quoting early and online

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!