Kia Stinger Insurance Rates

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UPDATED: Apr 18, 2024

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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.

Estimated insurance rates for a Kia Stinger are $1,496 a year including full coverage. Comprehensive costs on average $282, collision insurance costs $524, and liability costs around $510. Liability-only insurance costs as low as $568 a year, and high-risk driver insurance costs around $3,246. Teen drivers pay the most at up to $5,728 a year.

Average premium for full coverage: $1,496

Premium estimates by type of coverage:

Comprehensive $282
Collision $524
Liability $510

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Stinger models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Kia Stinger range from the low end price of $568 for just the minimum liability insurance to the much higher price of $3,246 for a driver that may need high-risk insurance.

Liability Only $568
Full Coverage $1,496
High Risk $3,246

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,122
Small Cities $1,571
Large Cities $2,020

These rate differences highlight why everyone should compare prices based on a specific location, instead of making a decision based on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below breaks down average Kia Stinger insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $866
  • Using higher $1,000 deductibles will save around $184 every year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,496
  • Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,852
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,246
  • An auto insurance policy that insures a 16-year-old driver for full coverage may cost $5,728 or more

View Chart as Image

Kia Stinger insurance cost comparison chart
Column chart showing Kia Stinger insurance rates range from $866 to $5,728 for full coverage

Insurance prices for a Kia Stinger also have a wide range based on the model of your Stinger, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,800 to $2,500 additional annually, depending on your age. Kia Stinger insurance for high-risk drivers can be from 44% to 134% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,700 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Stinger insurance prices. A driver around age 40 might see prices as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,130 on average in Michigan, New York, and Louisiana.

Kia Stinger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,350 -$146 -9.8%
Alaska $1,146 -$350 -23.4%
Arizona $1,242 -$254 -17.0%
Arkansas $1,496 -$0 0.0%
California $1,704 $208 13.9%
Colorado $1,424 -$72 -4.8%
Connecticut $1,534 $38 2.5%
Delaware $1,690 $194 13.0%
Florida $1,870 $374 25.0%
Georgia $1,380 -$116 -7.8%
Hawaii $1,072 -$424 -28.3%
Idaho $1,012 -$484 -32.4%
Illinois $1,112 -$384 -25.7%
Indiana $1,128 -$368 -24.6%
Iowa $1,008 -$488 -32.6%
Kansas $1,418 -$78 -5.2%
Kentucky $2,038 $542 36.2%
Louisiana $2,212 $716 47.9%
Maine $924 -$572 -38.2%
Maryland $1,232 -$264 -17.6%
Massachusetts $1,192 -$304 -20.3%
Michigan $2,594 $1,098 73.4%
Minnesota $1,250 -$246 -16.4%
Mississippi $1,790 $294 19.7%
Missouri $1,326 -$170 -11.4%
Montana $1,606 $110 7.4%
Nebraska $1,178 -$318 -21.3%
Nevada $1,794 $298 19.9%
New Hampshire $1,078 -$418 -27.9%
New Jersey $1,672 $176 11.8%
New Mexico $1,324 -$172 -11.5%
New York $1,574 $78 5.2%
North Carolina $862 -$634 -42.4%
North Dakota $1,224 -$272 -18.2%
Ohio $1,032 -$464 -31.0%
Oklahoma $1,534 $38 2.5%
Oregon $1,370 -$126 -8.4%
Pennsylvania $1,424 -$72 -4.8%
Rhode Island $1,992 $496 33.2%
South Carolina $1,354 -$142 -9.5%
South Dakota $1,262 -$234 -15.6%
Tennessee $1,306 -$190 -12.7%
Texas $1,800 $304 20.3%
Utah $1,106 -$390 -26.1%
Vermont $1,022 -$474 -31.7%
Virginia $894 -$602 -40.2%
Washington $1,154 -$342 -22.9%
West Virginia $1,370 -$126 -8.4%
Wisconsin $1,032 -$464 -31.0%
Wyoming $1,330 -$166 -11.1%

View Chart as Image

Kia Stinger insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $540 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 more each year. View Rates by Deductible or Liability Limit

Kia Stinger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Kia Stinger $332 $626 $450 $1,588
2022 Kia Stinger $320 $610 $470 $1,580
2021 Kia Stinger $310 $586 $486 $1,562
2020 Kia Stinger $292 $564 $500 $1,536
2019 Kia Stinger $282 $524 $510 $1,496
2018 Kia Stinger $270 $494 $514 $1,458

Rates are averaged for all Kia Stinger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Kia Stinger Insurance

Finding better rates on insurance for a Kia Stinger requires being safe and accident-free, having a good credit score, refrain from filing small claims, and dropping full coverage on older vehicles. Shop around once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a quick review of the data that was covered above.

  • You may be able to save as much as $180 per year just by quoting online well ahead of the renewal date
  • Insureds who require more liability protection will pay about $560 per year to increase from 30/60 bodily injury limits to the 250/500 level
  • Youthful drivers pay higher prices, with the cost nearing $477 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,750 more each 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.

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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.

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!

Rates by Driver Age

Kia Stinger Insurance Rates by Driver Age
Driver Age Premium
16 $5,728
20 $3,464
30 $1,548
40 $1,496
50 $1,368
60 $1,342

Full coverage, $500 deductibles

Rates by Deductible

Kia Stinger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,852
$250 $1,686
$500 $1,496
$1,000 $1,312

Full coverage, driver age 40

Rates by Liability Limit

Kia Stinger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,496
50/100 $1,598
100/300 $1,726
250/500 $2,057
100 CSL $1,649
300 CSL $1,930
500 CSL $2,134

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Stinger Insurance Rates for High Risk Drivers
Age Premium
16 $8,156
20 $5,520
30 $3,304
40 $3,246
50 $3,102
60 $3,074

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $210

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $80
Homeowner $23
5-yr Accident Free $107
5-yr Claim Free $97
Paid in Full/EFT $66
Advance Quote $73
Online Quote $105
Total Discounts $630
Rate after discounts $866

Discounts are estimated and may not be available from every company or in every state.

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