Kia Stinger Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 18, 2024
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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 prices for a Kia Stinger are $1,496 every 12 months for full coverage. Comprehensive costs approximately $282, collision insurance costs $524, and liability insurance is estimated at $510. Liability-only coverage costs approximately $568 a year, and high-risk coverage costs around $3,246. Teens receive the highest rates at up to $5,728 a year.
Average premium for full coverage: $1,496
Rate estimates by individual coverage type:
Rates are based on $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all Stinger models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the cheapest price of $568 for just liability coverage to the much higher price of $3,246 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance prices.
These examples show why everyone should get quotes using their specific location and their own driving history, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below shows average Kia Stinger insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $866
- Choosing higher $1,000 deductibles can save $184 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,496
- Selecting pricier low deductibles for comp and collision coverage increases the price to $1,852
- High-risk insureds with serious driving violations could pay around $3,246
- The cost to insure a teen driver for full coverage can cost $5,728 each year
Car insurance rates for a Kia Stinger can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Stinger.
Choosing higher comprehensive and collision insurance deductibles can save as much as $540 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged in the ballpark of $5,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,500 extra per year, depending on your age. Kia Stinger insurance for high-risk drivers ranges anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Kia Stinger insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,130 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,350 | -$146 | -9.8% |
| Alaska | $1,146 | -$350 | -23.4% |
| Arizona | $1,242 | -$254 | -17.0% |
| Arkansas | $1,496 | -$0 | 0.0% |
| California | $1,704 | $208 | 13.9% |
| Colorado | $1,424 | -$72 | -4.8% |
| Connecticut | $1,534 | $38 | 2.5% |
| Delaware | $1,690 | $194 | 13.0% |
| Florida | $1,870 | $374 | 25.0% |
| Georgia | $1,380 | -$116 | -7.8% |
| Hawaii | $1,072 | -$424 | -28.3% |
| Idaho | $1,012 | -$484 | -32.4% |
| Illinois | $1,112 | -$384 | -25.7% |
| Indiana | $1,128 | -$368 | -24.6% |
| Iowa | $1,008 | -$488 | -32.6% |
| Kansas | $1,418 | -$78 | -5.2% |
| Kentucky | $2,038 | $542 | 36.2% |
| Louisiana | $2,212 | $716 | 47.9% |
| Maine | $924 | -$572 | -38.2% |
| Maryland | $1,232 | -$264 | -17.6% |
| Massachusetts | $1,192 | -$304 | -20.3% |
| Michigan | $2,594 | $1,098 | 73.4% |
| Minnesota | $1,250 | -$246 | -16.4% |
| Mississippi | $1,790 | $294 | 19.7% |
| Missouri | $1,326 | -$170 | -11.4% |
| Montana | $1,606 | $110 | 7.4% |
| Nebraska | $1,178 | -$318 | -21.3% |
| Nevada | $1,794 | $298 | 19.9% |
| New Hampshire | $1,078 | -$418 | -27.9% |
| New Jersey | $1,672 | $176 | 11.8% |
| New Mexico | $1,324 | -$172 | -11.5% |
| New York | $1,574 | $78 | 5.2% |
| North Carolina | $862 | -$634 | -42.4% |
| North Dakota | $1,224 | -$272 | -18.2% |
| Ohio | $1,032 | -$464 | -31.0% |
| Oklahoma | $1,534 | $38 | 2.5% |
| Oregon | $1,370 | -$126 | -8.4% |
| Pennsylvania | $1,424 | -$72 | -4.8% |
| Rhode Island | $1,992 | $496 | 33.2% |
| South Carolina | $1,354 | -$142 | -9.5% |
| South Dakota | $1,262 | -$234 | -15.6% |
| Tennessee | $1,306 | -$190 | -12.7% |
| Texas | $1,800 | $304 | 20.3% |
| Utah | $1,106 | -$390 | -26.1% |
| Vermont | $1,022 | -$474 | -31.7% |
| Virginia | $894 | -$602 | -40.2% |
| Washington | $1,154 | -$342 | -22.9% |
| West Virginia | $1,370 | -$126 | -8.4% |
| Wisconsin | $1,032 | -$464 | -31.0% |
| Wyoming | $1,330 | -$166 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Kia Stinger | $332 | $626 | $450 | $1,588 |
| 2022 Kia Stinger | $320 | $610 | $470 | $1,580 |
| 2021 Kia Stinger | $310 | $586 | $486 | $1,562 |
| 2020 Kia Stinger | $292 | $564 | $500 | $1,536 |
| 2019 Kia Stinger | $282 | $524 | $510 | $1,496 |
| 2018 Kia Stinger | $270 | $494 | $514 | $1,458 |
Rates are averaged for all Kia Stinger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Cheap Kia Stinger Insurance
Saving money on Kia Stinger insurance takes not taking risks behind the wheel, maintaining a good credit score, eliminating unneeded coverage, and attention to physical damage deductibles. Make time to compare rates once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following is a quick review of the data that was touched on in this article.
- Drivers can save around $180 per year just by quoting online well ahead of the renewal date
- Drivers who purchase higher liability limits will pay approximately $560 each year to raise limits from a minimum limit to a 250/500 level
- Teens pay the highest auto insurance rates, costing as high as $477 per month if the policy includes full coverage
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,750 more per year for Stinger 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.
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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.
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!
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,728 |
| 20 | $3,464 |
| 30 | $1,548 |
| 40 | $1,496 |
| 50 | $1,368 |
| 60 | $1,342 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,852 |
| $250 | $1,686 |
| $500 | $1,496 |
| $1,000 | $1,312 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,496 |
| 50/100 | $1,598 |
| 100/300 | $1,726 |
| 250/500 | $2,057 |
| 100 CSL | $1,649 |
| 300 CSL | $1,930 |
| 500 CSL | $2,134 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,156 |
| 20 | $5,520 |
| 30 | $3,304 |
| 40 | $3,246 |
| 50 | $3,102 |
| 60 | $3,074 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $79 |
| Multi-vehicle | $80 |
| Homeowner | $23 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $66 |
| Advance Quote | $73 |
| Online Quote | $105 |
| Total Discounts | $630 |
Discounts are estimated and may not be available from every company or in every state.
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