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 $1,458 a year including full coverage. Comprehensive insurance costs approximately $270, collision insurance costs $494, and liability is $514. A liability-only policy costs around $572 a year, and high-risk insurance costs $3,166 or more. Teen drivers receive the highest rates at up to $5,616 a year.

Average premium for full coverage: $1,458

Rate estimates by individual coverage type:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Stinger models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance prices.

These examples highlight why everyone should compare rates quotes using their specific location and risk profile, instead of using price averages.

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

Rates by State, City, and Model

The chart below breaks down average Kia Stinger insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $847
• Raising to $1,000 deductibles will save $174 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,458
• Choosing pricier low deductibles will cost an extra $336 every year
• At-risk drivers with multiple violations and an at-fault accident could pay around $3,166
• The cost for full coverage for a teen driver for full coverage can cost $5,616

View Chart as Image

Insurance rates for a Kia Stinger can also vary considerably based on your driver profile, the model of your Stinger, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,600 a year. View Rates by Age

Where you live also has a big influence on Kia Stinger insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $510 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $462 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,400 extra per year, depending on your age. Kia Stinger insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than average. View High Risk Driver Rates

How to Find Cheap Kia Stinger Insurance

Saving money on car insurance consists of being a low-risk driver, maintaining good credit, not filing small claims, and possibly raising deductibles. Make time to compare rates every couple of years by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The items below are a brief summary of the material that was touched on in this article.

• Policyholders who purchase more liability coverage will pay about $570 per year to raise from a minimum limit to 250/500 limits
• Teen drivers are expensive to insure, as much as $468 per month for full coverage
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,710 more per year to insure their Stinger
• Increasing deductibles can save around $500 each year

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!