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 with full coverage. Comprehensive insurance costs approximately $282 a year, collision costs $524, and liability coverage is estimated at $510. Liability-only coverage costs approximately $568 a year, with high-risk coverage costing $3,246 or more. Teen drivers cost the most to insure at $5,728 a year or more.

Average premium for full coverage: $1,496

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Stinger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location and their own driving history, rather than using price 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 additional coverage and risk scenarios.

• The lowest rate with discounts is $866
• Choosing higher $1,000 deductibles can save $1,312 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,496
• Choosing low $100 deductibles for comp and collision coverage costs an extra $356 each year
• Drivers with multiple violations and an at-fault accident could pay around $3,246 or more
• Policy cost to insure a teenage driver can cost $5,728 each year

View Chart as Image

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

Choosing high deductibles can save as much as $540 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $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 may be forking out anywhere from $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 134% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Kia Stinger insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,020 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and rates will be varied.

How to Shop for Affordable Kia Stinger Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates once a year by getting quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a brief review of the data that was presented in the illustrations above.

• You may be able to save around $180 per year simply by quoting early and online
• Consumers who purchase more liability protection will pay about $560 every year to raise limits from a 30/60 limit to a 250/500 level
• Youthful drivers are the costliest to insure, as much as $477 each month if full coverage is included
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,750 more per year than a low-risk driver

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!