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 $1,496 a year including full coverage. Comprehensive insurance costs approximately $282 each year, collision costs $524, and liability insurance costs around $510. A policy with just liability insurance costs as low as $568 a year, with coverage for high-risk drivers costing $3,246 or more. Teenage drivers pay the highest rates at $5,728 a year or more.

Average premium for full coverage: $1,496

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Stinger models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why all drivers should compare prices using their specific location, rather than relying on average rates.

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

Additional Rate Analysis

The chart below breaks down estimated Kia Stinger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $866
• Using higher $1,000 deductibles will save $184 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,496
• Using low deductibles for physical damage coverage will cost an additional $356 a year
• Drivers who are prone to accidents and violations could pay around $3,246 or more
• The price that insures a teen driver can cost $5,728 or more

View Chart as Image

Insurance prices for a Kia Stinger are also quite variable based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 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 could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,700 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 $1,150 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,130 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $540 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $459 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different.

How to Find Cheap Kia Stinger Insurance

Getting lower rates on Kia Stinger insurance requires being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Compare prices once a year by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The items below are a brief summary of the data that was covered above.

• You may be able to save around $180 per year simply by quoting online in advance
• Drivers who purchase more liability coverage will pay an extra $560 per year to increase from a low limit to the 250/500 level
• Teen drivers are expensive to insure, possibly costing $477 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations will likely pay on average $1,750 more per year to insure their Stinger

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!