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.

Average insurance rates for a Kia Stinger are $1,458 a year for full coverage. Comprehensive costs around $270, collision costs $494, and liability insurance costs around $514. A liability-only policy costs as low as $572 a year, with high-risk insurance costing around $3,166. Teen drivers receive the highest rates at $5,616 a year or more.

Average premium for full coverage: $1,458

Rate estimates for individual coverage type:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Stinger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples show why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below shows estimated Kia Stinger insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $847
• Using higher $1,000 deductibles will save about $174 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,458
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,794
• Drivers with multiple violations and an at-fault accident could pay at least $3,166 or more
• The cost that insures a teen driver with full coverage can be $5,616 or more

View Chart as Image

Insurance rates for a Kia Stinger can also vary considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $5,600 a year. View Rates by Age

Where you live has a huge impact on Kia Stinger insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $510 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $462 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know your exact price is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly different.

How to Find Cheap Kia Stinger Insurance

Saving money on Kia Stinger insurance requires having a decent driving record, having above-average credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Shop around every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the information covered above.

• Drivers can save up to $170 per year simply by shopping early and online
• 16 to 18-year-old drivers pay higher rates, costing as high as $468 per month if full coverage is included
• Increasing deductibles can save approximately $500 each year
• High-risk drivers that tend to have accidents or serious violations pay on average $1,710 more every year than a driver with a clean driving record
• Drivers who may need additional liability coverage will pay about $570 each year to increase from a minimum 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!