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 prices for a Kia Stinger are $1,458 every 12 months with full coverage. Comprehensive insurance costs around $270 each year, collision costs $494, and liability coverage costs $514. Liability-only coverage costs as little as $572 a year, with high-risk coverage costing $3,166 or more. 16-year-old drivers cost the most to insure at $5,616 a year or more.

Average premium for full coverage: $1,458

Policy rates for type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than congested cities.

The graphic below illustrates how location impacts auto insurance rates.

The examples above demonstrate why all drivers should compare rates for a specific zip code and their own driving history, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $847
• Drivers who choose higher $1,000 deductibles will pay about $174 annually
• The average price for a good driver age 40 using $500 deductibles is $1,458
• Buying low deductibles for comprehensive and collision insurance costs an extra $336 each year
• High-risk insureds with multiple tickets or accidents could pay at least $3,166 or more
• Policy cost to insure a teenage driver can be $5,616 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $510 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $462 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $5,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,700 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 130% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Kia Stinger insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or at least $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, and rates will be varied.

How to Shop for Low Cost Kia Stinger Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and taking advantage of discounts. Spend time shopping around every other policy renewal by requesting rates from direct companies, and also from several local insurance agents.

The points below are a review of the ideas that were touched on above.

• Drivers under the age of 20 are charged the highest rates, as much as $468 each month if full coverage is included
• Drivers who have several accidents or serious violations pay on average $1,710 more every year to insure a Kia Stinger
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• You may be able to save up to $170 per year simply by quoting online in advance

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!