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 auto insurance rates for a Kia Stinger are $1,458 annually with full coverage. Comprehensive costs an estimated $270, collision insurance costs $494, and liability is $514. Buying just liability costs around $572 a year, and insurance for high-risk drivers costs around $3,166. 16-year-old drivers cost the most to insure at up to $5,616 a year.

Average premium for full coverage: $1,458

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than congested cities. The example below illustrates how location helps determine insurance prices.

The examples above demonstrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of using rate averages.

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

More Rate Information

The chart below details average Kia Stinger insurance rates for other coverage scenarios.

• The best full coverage rate is $847
• Raising to $1,000 deductibles will save approximately $174 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,458
• Buying pricier low deductibles will cost $1,794
• At-risk drivers with multiple tickets or accidents could pay up to $3,166
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $5,616

View Chart as Image

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

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $5,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,400 extra every year, depending on your age. Kia Stinger insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $510 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $462 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Kia Stinger insurance prices. A middle-age driver might find rates as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or at least $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Best Cheap Kia Stinger Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a quick review of the information covered in the charts and tables above.

• You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
• Teenagers are charged the highest rates, as much as $468 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,710 more annually for car insurance
• Policyholders who want higher liability limits will pay around $570 every year to raise from a 30/60 limit to higher 250/500 limits

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!