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.

U.S. average insurance rates for a Kia Stinger are $1,458 a year with full coverage. Comprehensive costs around $270 a year, collision costs $494, and liability insurance costs around $514. Liability-only coverage costs as low as $572 a year, with high-risk coverage costing around $3,166. Teenage drivers pay the highest rates at $5,616 a year or more.

Average premium for full coverage: $1,458

Price estimates for individual coverage:

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Stinger trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance rates.

The ranges above demonstrate why it is important to compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $847
• Using higher $1,000 deductibles will save about $1,284 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,458
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,794
• Drivers who are prone to accidents and violations could pay at least $3,166 or more
• The price for full coverage for a teen driver can be $5,616 or more

View Chart as Image

Auto insurance prices for a Kia Stinger are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $5,600 a year. View Rates by Age

The state you live in has a huge impact on Kia Stinger insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $510 each year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $462 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,700 to $2,400 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

How to Find Cheaper Kia Stinger Insurance

Getting lower rates on Kia Stinger insurance requires not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every other policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a condensed summary of the ideas that were illustrated above.

• Teens are expensive to insure, costing up to $468 a month if they have full coverage
• High-risk drivers with multiple at-fault accidents pay an average of $1,710 more every year for Stinger insurance
• Increasing physical damage deductibles can save around $500 each year
• You may be able to save up to $170 per year simply by quoting early and online

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!