Kia Stinger Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

The average insurance rates for a Kia Stinger are $1,562 a year including full coverage. Comprehensive insurance costs on average $310, collision costs $586, and liability is $486. Liability-only coverage costs around $548 a year, with high-risk coverage costing $3,384 or more. Teenage drivers cost the most to insure at $5,892 a year or more.

Average premium for full coverage: $1,562

Policy rates by type of insurance:

Comprehensive $310
Collision $586
Liability $486

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Stinger trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Kia Stinger insurance rates go from the low end price of $548 for the bare minimum liability coverage to a much higher rate of $3,384 for a driver who requires high-risk insurance.

Liability Only $548
Full Coverage $1,562
High Risk $3,384

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,172
Small Cities $1,640
Large Cities $2,109

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of making a decision based on average rates.

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 Information

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

  • The best discount rate is $897
  • Raising to $1,000 deductibles will save around $204 every year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,562
  • Using more expensive low deductibles will cost an additional $394 annually
  • Drivers who are prone to accidents and violations could pay upwards of $3,384 or more
  • Policy cost that insures a 16-year-old driver with full coverage may cost $5,892

View Chart as Image

Kia Stinger insurance cost comparison chart
Column chart showing full coverage Kia Stinger insurance prices range from $897 to $5,892

Insurance rates for a Kia Stinger also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,900 to $2,600 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,800 a year. View Rates by Age

Your home state also has a big influence on Kia Stinger insurance prices. A middle-age driver might find rates as low as $1,200 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,220 on average in Michigan, New York, and Louisiana.

Kia Stinger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,408 -$154 -9.9%
Alaska $1,196 -$366 -23.4%
Arizona $1,294 -$268 -17.2%
Arkansas $1,562 -$0 0.0%
California $1,774 $212 13.6%
Colorado $1,488 -$74 -4.7%
Connecticut $1,602 $40 2.6%
Delaware $1,764 $202 12.9%
Florida $1,950 $388 24.8%
Georgia $1,440 -$122 -7.8%
Hawaii $1,118 -$444 -28.4%
Idaho $1,056 -$506 -32.4%
Illinois $1,160 -$402 -25.7%
Indiana $1,178 -$384 -24.6%
Iowa $1,052 -$510 -32.7%
Kansas $1,480 -$82 -5.2%
Kentucky $2,126 $564 36.1%
Louisiana $2,308 $746 47.8%
Maine $962 -$600 -38.4%
Maryland $1,286 -$276 -17.7%
Massachusetts $1,246 -$316 -20.2%
Michigan $2,706 $1,144 73.2%
Minnesota $1,304 -$258 -16.5%
Mississippi $1,868 $306 19.6%
Missouri $1,382 -$180 -11.5%
Montana $1,674 $112 7.2%
Nebraska $1,228 -$334 -21.4%
Nevada $1,870 $308 19.7%
New Hampshire $1,124 -$438 -28.0%
New Jersey $1,744 $182 11.7%
New Mexico $1,380 -$182 -11.7%
New York $1,642 $80 5.1%
North Carolina $898 -$664 -42.5%
North Dakota $1,278 -$284 -18.2%
Ohio $1,076 -$486 -31.1%
Oklahoma $1,600 $38 2.4%
Oregon $1,428 -$134 -8.6%
Pennsylvania $1,484 -$78 -5.0%
Rhode Island $2,078 $516 33.0%
South Carolina $1,414 -$148 -9.5%
South Dakota $1,316 -$246 -15.7%
Tennessee $1,362 -$200 -12.8%
Texas $1,876 $314 20.1%
Utah $1,150 -$412 -26.4%
Vermont $1,068 -$494 -31.6%
Virginia $932 -$630 -40.3%
Washington $1,202 -$360 -23.0%
West Virginia $1,428 -$134 -8.6%
Wisconsin $1,078 -$484 -31.0%
Wyoming $1,388 -$174 -11.1%

View Chart as Image

Kia Stinger insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $600 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $438 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

Kia Stinger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Stinger $310 $586 $486 $1,562

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 Affordable Kia Stinger Insurance

Finding cheaper rates on insurance for a Kia Stinger consists of being a low-risk driver, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices at every other renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The items below are a brief review of the concepts that were raised in the charts and tables above.

  • Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,820 more each year to insure their Stinger
  • Teen drivers pay higher rates, with premiums being up to $491 each month if comprehensive and collision insurance is included
  • You may be able to save as much as $190 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $600 each year
  • You may be able to save as much as $190 per year simply by shopping early and online

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 $5,892
20 $3,612
30 $1,620
40 $1,562
50 $1,426
60 $1,398

Full coverage, $500 deductibles

Rates by Deductible

Kia Stinger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,956
$250 $1,772
$500 $1,562
$1,000 $1,358

Full coverage, driver age 40

Rates by Liability Limit

Kia Stinger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,562
50/100 $1,659
100/300 $1,781
250/500 $2,097
100 CSL $1,708
300 CSL $1,975
500 CSL $2,170

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Stinger Insurance Rates for High Risk Drivers
Age Premium
16 $8,404
20 $5,754
30 $3,452
40 $3,384
50 $3,230
60 $3,204

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 $220

Potential Rate Discounts

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

Discount Savings
Multi-policy $83
Multi-vehicle $83
Homeowner $24
5-yr Accident Free $115
5-yr Claim Free $101
Paid in Full/EFT $71
Advance Quote $77
Online Quote $111
Total Discounts $665
Rate after discounts $897

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

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