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.

U.S. average insurance rates for a Kia Stinger are $1,458 a year with full coverage. Comprehensive costs an estimated $270, collision costs $494, and liability costs around $514. Buying just liability costs as low as $572 a year, with insurance for high-risk drivers costing around $3,166. 16-year-old drivers pay the highest rates at $5,616 a year or more.

Average premium for full coverage: $1,458

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Stinger models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have a lower frequency of collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $847
• Using higher $1,000 deductibles will save approximately $174 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,458
• Buying pricier low deductibles for physical damage coverage will increase the cost to $1,794
• High-risk insureds with multiple tickets or accidents could pay up to $3,166 or more
• The price for full coverage for a 16-year-old driver for full coverage can cost as much as $5,616 or more

View Chart as Image

Insurance prices for a Kia Stinger are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $5,600 a year. View Rates by Age

The state you live in has a huge impact on Kia Stinger insurance prices. A driver around age 40 might see prices 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

Opting for high physical damage deductibles could cut prices by as much as $510 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $462 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,700 to $2,400 additional each year, depending on your age. Kia Stinger insurance for high-risk drivers can be from 43% to 130% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite different from one company to the next.

How to Find Cheap Kia Stinger Insurance

Getting lower rates on insurance for a Kia Stinger requires being safe and accident-free, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a brief summary of the primary concepts that were covered above.

• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,710 more annually than a low-risk driver
• Increasing physical damage deductibles can save around $500 each year
• Youthful drivers are expensive to insure, costing up to $468 a month including comprehensive and collision insurance

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!