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.

U.S. average insurance rates for a Kia Stinger are $1,496 a year for full coverage insurance. Comprehensive costs an estimated $282 a year, collision costs $524, and liability is $510. Buying just liability costs around $568 a year, with insurance for high-risk drivers costing around $3,246. Teen drivers pay the highest rates at $5,728 a year or more.

Average premium for full coverage: $1,496

Price estimates broken down by individual coverage:

Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Stinger trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas.

The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why it is important to compare rates quotes for a targeted area, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $866
• Raising to $1,000 deductibles will save approximately $1,312 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,496
• Choosing low $100 deductibles bumps up the cost to $1,852
• Drivers with multiple violations and an at-fault accident could pay up to $3,246 or more
• The price that insures a 16-year-old driver can cost as much as $5,728

View Chart as Image

Insurance prices for a Kia Stinger are also quite variable based on the trim level of your Stinger, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,800 to $2,500 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 134% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,700 a year. View Rates by Age

The state you live in also has a big influence on Kia Stinger insurance prices. A middle-age driver might find prices as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,020 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $540 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $459 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and prices may be quite different.

How to Find Low Cost Kia Stinger Insurance

Getting lower rates on insurance for a Kia Stinger consists of avoiding accidents and violations, having a good credit score, not filing small claims, and maximizing policy discounts. Shop around once a year by requesting rates from direct insurance companies, and also from local insurance agencies.

The list below is a review of the data that was covered in the above illustrations.

• It is possible to save approximately $180 per year simply by quoting early and online
• Insureds who want higher liability limits will pay about $560 annually to raise from a low limit to the 250/500 level
• Teenagers are expensive to insure, as much as $477 a month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,750 more annually for car 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!