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 insurance costs on average $282 each year, collision costs $524, and liability costs $510. Buying just liability costs as little as $568 a year, with insurance for high-risk drivers costing $3,246 or more. Teenage 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:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects car insurance rates.

The examples above illustrate why all drivers should compare rates based on a specific location, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $866
• Drivers who choose higher $1,000 deductibles will pay around $184 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,496
• Using low deductibles for comprehensive and collision insurance will cost an additional $356 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,246 or more
• Policy cost that insures a teen driver may cost $5,728 a year

View Chart as Image

Insurance rates for a Kia Stinger also range considerably based on the trim level and model year, 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 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,700 a year. View Rates by Age

Your home state makes a big difference in Kia Stinger insurance prices. A 40-year-old driver could pay as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,020 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $540 every year, whereas increasing 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 more per 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 do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, so the rates will be varied.

How to Find Cheaper Kia Stinger Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and bundling your home and auto policies. Compare prices every time your policy renews by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a condensed summary of the information touched on in the above illustrations.

• It is possible to save as much as $180 per year simply by quoting online in advance
• Teenagers pay the highest rates, possibly costing $477 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Higher risk drivers with multiple at-fault accidents may pay on average $1,750 more each year for car insurance
• Policyholders who require higher liability limits will pay an extra $560 annually to go from a 30/60 limit to the 250/500 level

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!