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 on average $270 a year, collision insurance costs $494, and liability costs around $514. Liability-only insurance costs as low as $572 a year, and high-risk driver insurance costs $3,166 or more. 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 by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities. The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above show why it is important to compare prices based on a specific location and their own driving history, instead of making a decision based on rate averages.

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

More Rate Information

The chart below shows average Kia Stinger insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $847
• Using higher $1,000 deductibles will save around $1,284 a year
• The average price for a good driver age 40 with $500 deductibles is $1,458
• Buying low $100 deductibles for physical damage coverage costs an extra $336 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,166
• Policy cost to insure a 16-year-old driver may cost $5,616 or more

View Chart as Image

Auto insurance rates for a Kia Stinger also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Stinger.

Opting for high physical damage deductibles could cut rates by as much as $510 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $462 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards 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 at a minimum $1,700 to $2,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Kia Stinger insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Idaho, Maine, and Iowa, or at least $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Best Kia Stinger Insurance

Finding cheaper rates on insurance for a Kia Stinger requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by quoting rates from direct carriers, and also from local independent and exclusive agents.

Below is a brief recap of the primary concepts that were raised in the charts and tables above.

• Drivers can save as much as $170 per year just by quoting early and online
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,710 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Teenage drivers are charged the highest rates, costing up to $468 each month if comprehensive and collision insurance 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!