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 an estimated $282 each year, collision insurance costs $524, and liability insurance is estimated at $510. Buying just liability costs approximately $568 a year, and insurance for high-risk drivers costs $3,246 or more. 16-year-old drivers cost the most to insure at up to $5,728 a year.

Average premium for full coverage: $1,496

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, split liability limits of 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

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why all drivers should get quotes for a targeted area and risk profile, rather than relying on rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $866
• Choosing higher $1,000 deductibles can save approximately $184 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,496
• Buying low deductibles for comp and collision coverage will cost an extra $356 a year
• High-risk insureds with multiple tickets or accidents could pay up to $3,246
• Policy cost for full coverage for a teen driver can cost as much as $5,728 each year

View Chart as Image

Insurance rates for a Kia Stinger also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Stinger insurance rates. A good driver about age 40 could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,020 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $540 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $459 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Kia Stinger Insurance

Finding cheaper rates on Kia Stinger insurance takes being a good driver, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a summary of the primary concepts that were covered in the above illustrations.

• It is possible to save approximately $180 per year just by quoting online in advance
• High-risk drivers who have multiple accidents or major violations pay on average $1,750 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers age 16 to 20 are charged the highest rates, possibly costing $477 each month for full coverage

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!