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 rates for a Kia Stinger are $1,458 a year for full coverage insurance. Comprehensive insurance costs an estimated $270 each year, collision costs $494, and liability coverage costs around $514. Liability-only coverage costs as low as $572 a year, with high-risk coverage costing $3,166 or more. Teenage drivers cost the most to insure at $5,616 a year or more.

Average premium for full coverage: $1,458

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

The examples above illustrate why all drivers should compare prices for a targeted area, rather than using average rates.

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

Additional Rate Information

The chart below illustrates estimated Kia Stinger insurance rates for other coverage scenarios.

• The best discount rate is $847
• Using higher $1,000 deductibles will save approximately $174 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,458
• Using low deductibles for physical damage coverage will cost an additional $336 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,166 or more
• Policy cost that insures a teenage driver can cost as much as $5,616 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying $1,700 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can be around 43% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,600 a year. View Rates by Age

Your home state has a huge impact on Kia Stinger insurance rates. A driver around age 40 might see rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $510 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $462 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied.

How to Find More Affordable Kia Stinger Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a good credit score, being claim-free, and maximizing policy discounts. Compare prices at least every other year by getting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a summary of the car insurance concepts presented in the illustrations above.

• Drivers who have multiple accidents or major violations may have to pay on average $1,710 more annually than a safer driver
• It is possible to save approximately $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Consumers who want an increased level of liability coverage will pay an extra $570 annually to increase from a 30/60 limit to the 250/500 level

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!