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 $1,496 every 12 months for full coverage insurance. Comprehensive costs around $282 each year, collision costs $524, and liability is estimated at $510. A liability-only policy costs approximately $568 a year, with high-risk insurance costing around $3,246. Teens cost the most to insure at $5,728 a year or more.

Average premium for full coverage: $1,496

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, 30/60 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

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above illustrate why all drivers should get quotes for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $866
• Choosing higher $1,000 deductibles can save about $184 each year
• The average price for a good driver age 40 using $500 deductibles is $1,496
• Selecting low deductibles for comp and collision coverage increases the price to $1,852
• Higher-risk drivers with serious driving violations could pay at least $3,246 or more
• Policy cost to insure a 16-year-old driver can be $5,728 each year

View Chart as Image

Car insurance rates for a Kia Stinger also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $5,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 134% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Kia Stinger insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,020 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, so rate quotes will be varied.

How to Shop for the Best Cheap Kia Stinger Insurance

Finding cheaper rates on insurance for a Kia Stinger takes avoiding accidents and claims, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Invest time comparing rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a quick review of the data covered in the charts and tables above.

• Insureds who may need increased liability limits will pay approximately $560 annually to raise limits from a 30/60 limit to a 250/500 level
• It is possible to save up to $180 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers under the age of 20 are the costliest to insure, possibly costing $477 each month if the policy includes full coverage

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!