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.
Average insurance rates for a Kia Stinger are $1,536 a year including full coverage. Comprehensive insurance costs on average $292 a year, collision insurance costs $564, and liability insurance costs $500. Buying just liability costs as little as $560 a year, and insurance for high-risk drivers costs $3,340 or more. Teen drivers receive the highest rates at up to $5,858 a year.
Average premium for full coverage: $1,536
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Stinger trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as low as $560 for just the minimum liability insurance to a high of $3,340 for high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects car insurance rates.
These examples highlight why it is important to compare rates based on a specific location and risk profile, 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.
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 $884
- Drivers who choose higher $1,000 deductibles will pay around $1,342 every year
- The average rate for a 40-year-old driver with $500 deductibles is $1,536
- Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $380 a year
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,340
- The cost for full coverage for a teen driver may cost $5,858 a year
Auto insurance rates for a Kia Stinger can also vary considerably based on your driver profile, the model of your Stinger, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age
Where you live makes a big difference in Kia Stinger insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,190 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,388 | -$148 | -9.6% |
| Alaska | $1,178 | -$358 | -23.3% |
| Arizona | $1,274 | -$262 | -17.1% |
| Arkansas | $1,536 | -$0 | 0.0% |
| California | $1,752 | $216 | 14.1% |
| Colorado | $1,468 | -$68 | -4.4% |
| Connecticut | $1,578 | $42 | 2.7% |
| Delaware | $1,738 | $202 | 13.2% |
| Florida | $1,922 | $386 | 25.1% |
| Georgia | $1,420 | -$116 | -7.6% |
| Hawaii | $1,102 | -$434 | -28.3% |
| Idaho | $1,040 | -$496 | -32.3% |
| Illinois | $1,142 | -$394 | -25.7% |
| Indiana | $1,158 | -$378 | -24.6% |
| Iowa | $1,038 | -$498 | -32.4% |
| Kansas | $1,458 | -$78 | -5.1% |
| Kentucky | $2,094 | $558 | 36.3% |
| Louisiana | $2,274 | $738 | 48.0% |
| Maine | $948 | -$588 | -38.3% |
| Maryland | $1,268 | -$268 | -17.4% |
| Massachusetts | $1,228 | -$308 | -20.1% |
| Michigan | $2,666 | $1,130 | 73.6% |
| Minnesota | $1,284 | -$252 | -16.4% |
| Mississippi | $1,840 | $304 | 19.8% |
| Missouri | $1,364 | -$172 | -11.2% |
| Montana | $1,650 | $114 | 7.4% |
| Nebraska | $1,210 | -$326 | -21.2% |
| Nevada | $1,844 | $308 | 20.1% |
| New Hampshire | $1,106 | -$430 | -28.0% |
| New Jersey | $1,716 | $180 | 11.7% |
| New Mexico | $1,358 | -$178 | -11.6% |
| New York | $1,618 | $82 | 5.3% |
| North Carolina | $886 | -$650 | -42.3% |
| North Dakota | $1,260 | -$276 | -18.0% |
| Ohio | $1,060 | -$476 | -31.0% |
| Oklahoma | $1,576 | $40 | 2.6% |
| Oregon | $1,408 | -$128 | -8.3% |
| Pennsylvania | $1,462 | -$74 | -4.8% |
| Rhode Island | $2,050 | $514 | 33.5% |
| South Carolina | $1,392 | -$144 | -9.4% |
| South Dakota | $1,296 | -$240 | -15.6% |
| Tennessee | $1,344 | -$192 | -12.5% |
| Texas | $1,850 | $314 | 20.4% |
| Utah | $1,136 | -$400 | -26.0% |
| Vermont | $1,052 | -$484 | -31.5% |
| Virginia | $920 | -$616 | -40.1% |
| Washington | $1,186 | -$350 | -22.8% |
| West Virginia | $1,408 | -$128 | -8.3% |
| Wisconsin | $1,062 | -$474 | -30.9% |
| Wyoming | $1,368 | -$168 | -10.9% |
Choosing high deductibles could save up to $580 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $450 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Kia Stinger | $346 | $630 | $440 | $1,596 |
| 2022 Kia Stinger | $332 | $626 | $450 | $1,588 |
| 2021 Kia Stinger | $320 | $610 | $470 | $1,580 |
| 2020 Kia Stinger | $310 | $586 | $486 | $1,562 |
| 2019 Kia Stinger | $292 | $564 | $500 | $1,536 |
| 2018 Kia Stinger | $282 | $524 | $510 | $1,496 |
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 Kia Stinger Insurance
Saving money on Kia Stinger insurance not only requires being a low-risk driver, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by quoting rates from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The items below are a brief recap of the material that was raised in the charts and tables above.
- Drivers who require more liability coverage will pay about $550 per year to go from a minimum limit to 250/500 limits
- Teen drivers are charged the highest rates, as much as $488 per month if they have full coverage
- High-risk drivers who tend to receive serious violations may pay on average $1,800 more each year to insure their Stinger
- Increasing deductibles can save around $575 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.
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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 | $5,858 |
| 20 | $3,566 |
| 30 | $1,596 |
| 40 | $1,536 |
| 50 | $1,406 |
| 60 | $1,380 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,916 |
| $250 | $1,740 |
| $500 | $1,536 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,536 |
| 50/100 | $1,636 |
| 100/300 | $1,761 |
| 250/500 | $2,086 |
| 100 CSL | $1,686 |
| 300 CSL | $1,961 |
| 500 CSL | $2,161 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,348 |
| 20 | $5,688 |
| 30 | $3,406 |
| 40 | $3,340 |
| 50 | $3,192 |
| 60 | $3,166 |
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 | $81 |
| Multi-vehicle | $82 |
| Homeowner | $24 |
| 5-yr Accident Free | $112 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $69 |
| Advance Quote | $76 |
| Online Quote | $108 |
| Total Discounts | $652 |
Discounts are estimated and may not be available from every company or in every state.
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