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.

Average insurance rates for a Kia Stinger are $1,496 a year with full coverage. Comprehensive costs an estimated $282 each year, collision insurance costs $524, and liability coverage is $510. A policy with just liability insurance costs around $568 a year, and coverage for high-risk drivers costs around $3,246. 16-year-old drivers receive the highest rates at up to $5,728 a year.

Average premium for full coverage: $1,496

Rate estimates broken down by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The graphic below illustrates how location helps determine insurance prices.

These examples demonstrate why all drivers should compare rates quotes for a targeted area, rather than 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 $866
• Raising to $1,000 deductibles will save approximately $184 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,496
• Buying low deductibles bumps up the cost to $1,852
• Unlucky drivers with multiple tickets or accidents could pay up to $3,246
• The cost that insures a teenage driver can cost as much as $5,728

View Chart as Image

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

If you like to drive fast or you caused an accident, you may be forking out $1,800 to $2,500 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 134% more than the average rate. 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 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,700 a year. View Rates by Age

Where you live also has a big influence on Kia Stinger insurance rates. A middle-age driver might find rates as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or at least $2,020 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $540 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $459 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Kia Stinger Insurance

Saving money on auto insurance consists of being a good driver, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Comparison shop every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief review of the information covered in the charts and tables above.

• You may be able to save approximately $180 per year just by quoting online in advance
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $477 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $550 each year
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,750 more annually than a safer driver
• Consumers who want an increased level of liability coverage will pay around $560 every year to raise from a minimum 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!