Kia Stinger Insurance Rates
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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 prices for a Kia Stinger are $1,580 every 12 months with full coverage. Comprehensive costs approximately $320 a year, collision costs $610, and liability insurance is estimated at $470. A liability-only policy costs approximately $536 a year, with high-risk insurance costing around $3,432. Teen drivers cost the most to insure at $5,938 a year or more.
Average premium for full coverage: $1,580
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Stinger trim levels.
Price Range Variability
For the normal driver, Kia Stinger insurance rates go from the cheapest price of $536 for basic liability insurance to a high of $3,432 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact 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 relying 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.
Rate Comparisons
The chart below details estimated Kia Stinger insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $906
- Choosing higher $1,000 deductibles can save $1,370 annually
- The average price for a good driver age 40 who chooses $500 deductibles is $1,580
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,994
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,432 or more
- Policy cost to insure a teen driver can cost $5,938 each year
Car 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 $630 each 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 $423 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged in the ballpark of $5,900 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 $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 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 $1,140 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,130 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,428 | -$152 | -9.6% |
| Alaska | $1,212 | -$368 | -23.3% |
| Arizona | $1,312 | -$268 | -17.0% |
| Arkansas | $1,580 | -$0 | 0.0% |
| California | $1,802 | $222 | 14.1% |
| Colorado | $1,508 | -$72 | -4.6% |
| Connecticut | $1,626 | $46 | 2.9% |
| Delaware | $1,788 | $208 | 13.2% |
| Florida | $1,976 | $396 | 25.1% |
| Georgia | $1,460 | -$120 | -7.6% |
| Hawaii | $1,134 | -$446 | -28.2% |
| Idaho | $1,072 | -$508 | -32.2% |
| Illinois | $1,176 | -$404 | -25.6% |
| Indiana | $1,192 | -$388 | -24.6% |
| Iowa | $1,066 | -$514 | -32.5% |
| Kansas | $1,500 | -$80 | -5.1% |
| Kentucky | $2,156 | $576 | 36.5% |
| Louisiana | $2,340 | $760 | 48.1% |
| Maine | $976 | -$604 | -38.2% |
| Maryland | $1,304 | -$276 | -17.5% |
| Massachusetts | $1,262 | -$318 | -20.1% |
| Michigan | $2,742 | $1,162 | 73.5% |
| Minnesota | $1,324 | -$256 | -16.2% |
| Mississippi | $1,896 | $316 | 20.0% |
| Missouri | $1,402 | -$178 | -11.3% |
| Montana | $1,698 | $118 | 7.5% |
| Nebraska | $1,246 | -$334 | -21.1% |
| Nevada | $1,896 | $316 | 20.0% |
| New Hampshire | $1,138 | -$442 | -28.0% |
| New Jersey | $1,768 | $188 | 11.9% |
| New Mexico | $1,398 | -$182 | -11.5% |
| New York | $1,666 | $86 | 5.4% |
| North Carolina | $910 | -$670 | -42.4% |
| North Dakota | $1,294 | -$286 | -18.1% |
| Ohio | $1,092 | -$488 | -30.9% |
| Oklahoma | $1,620 | $40 | 2.5% |
| Oregon | $1,448 | -$132 | -8.4% |
| Pennsylvania | $1,506 | -$74 | -4.7% |
| Rhode Island | $2,110 | $530 | 33.5% |
| South Carolina | $1,432 | -$148 | -9.4% |
| South Dakota | $1,334 | -$246 | -15.6% |
| Tennessee | $1,382 | -$198 | -12.5% |
| Texas | $1,904 | $324 | 20.5% |
| Utah | $1,170 | -$410 | -25.9% |
| Vermont | $1,084 | -$496 | -31.4% |
| Virginia | $946 | -$634 | -40.1% |
| Washington | $1,220 | -$360 | -22.8% |
| West Virginia | $1,450 | -$130 | -8.2% |
| Wisconsin | $1,094 | -$486 | -30.8% |
| Wyoming | $1,408 | -$172 | -10.9% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Stinger | $320 | $610 | $470 | $1,580 |
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 Shop for Cheaper Kia Stinger Insurance
Finding cheaper rates on Kia Stinger insurance takes being safe and accident-free, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to compare rates at every policy renewal by requesting quotes from direct companies, and also from insurance agencies where you live.
Below you'll find a condensed summary of the data presented in the illustrations above.
- Drivers who purchase more liability protection will pay about $520 every year to raise limits from a 30/60 limit to a 250/500 level
- You may be able to save around $190 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $625 each year
- Youthful drivers pay the highest auto insurance rates, as much as $495 each month if the policy includes full coverage
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!
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,938 |
| 20 | $3,664 |
| 30 | $1,646 |
| 40 | $1,580 |
| 50 | $1,444 |
| 60 | $1,418 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,994 |
| $250 | $1,802 |
| $500 | $1,580 |
| $1,000 | $1,370 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,580 |
| 50/100 | $1,674 |
| 100/300 | $1,792 |
| 250/500 | $2,097 |
| 100 CSL | $1,721 |
| 300 CSL | $1,980 |
| 500 CSL | $2,168 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,476 |
| 20 | $5,832 |
| 30 | $3,502 |
| 40 | $3,432 |
| 50 | $3,276 |
| 60 | $3,246 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $84 |
| Multi-vehicle | $84 |
| Homeowner | $23 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $73 |
| Advance Quote | $79 |
| Online Quote | $112 |
| Total Discounts | $674 |
Discounts are estimated and may not be available from every company or in every state.
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