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 including full coverage. Comprehensive costs on average $270 a year, collision costs $494, and liability insurance costs $514. A liability-only policy costs as little as $572 a year, with high-risk insurance costing around $3,166. 16-year-old drivers receive the highest rates at $5,616 a year or more.

Average premium for full coverage: $1,458

Rate estimates by individual coverage type:

Includes $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Stinger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on car insurance rates.

These examples highlight why it is important to compare rates based on a specific location, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $847
• Drivers who choose higher $1,000 deductibles will pay around $1,284 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,458
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,794
• High risk drivers with multiple tickets or accidents could pay upwards of $3,166 or more
• The cost that insures a teen driver may cost $5,616 a year

View Chart as Image

Insurance rates for a Kia Stinger can also vary considerably based on the trim level of your Stinger, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

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

Where you live makes a big difference in Kia Stinger insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could save up to $510 each year, while buying higher liability limits will cost you more. Changing 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 best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so the rates can be significantly different.

How to Find the Cheapest Kia Stinger Insurance

Saving money on Kia Stinger insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop every couple of years by getting price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a recap of the material that was touched on in this article.

• Drivers who require increased liability limits will pay around $570 per year to go from a minimum limit to the 250/500 level
• Drivers under the age of 20 pay the highest rates, as much as $468 per month if full coverage is included
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,710 more each year to insure a Kia Stinger
• Increasing deductibles can save approximately $500 each year

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!