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 for full coverage. Comprehensive insurance costs approximately $270, collision costs $494, and liability insurance costs $514. Liability-only coverage costs as little as $572 a year, with high-risk coverage costing $3,166 or more. Teens cost the most to insure at $5,616 a year or more.

Average premium for full coverage: $1,458

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Stinger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $847
• Drivers who choose higher $1,000 deductibles will pay $174 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,458
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $336 a year
• High risk drivers with serious driving violations could pay around $3,166 or more
• Policy cost to insure a teen driver with full coverage can cost $5,616 a year

View Chart as Image

Insurance rates for a Kia Stinger also range considerably based on liability limits and deductibles, your driver profile, and the model of your Stinger.

Choosing higher comprehensive and collision insurance deductibles could save up to $510 each year, while increasing your policy's liability limits will push rates upward. Going 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

An older driver with no violations or accidents and higher deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $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 could be paying anywhere from $1,700 to $2,400 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 130% more than the average policy. 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 $960 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,080 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Every company calculates rates differently, and rates will be varied.

How to Shop for Low Cost Kia Stinger Insurance

Finding cheaper rates on Kia Stinger insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a review of the primary concepts that were illustrated above.

• Drivers can save around $170 per year simply by shopping early and online
• High-risk drivers who have several accidents or serious violations may pay on average $1,710 more per year to insure their Stinger
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Teen drivers are the costliest to insure, costing up to $468 each month if full coverage is included

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!