Kia Stinger Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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 $1,496 a year for full coverage insurance. Comprehensive insurance costs approximately $282, collision insurance costs $524, and liability is $510. A liability-only policy costs around $568 a year, and high-risk insurance costs $3,246 or more. Teens receive the highest rates at up to $5,728 a year.
Average premium for full coverage: $1,496
Rate estimates by individual coverage type:
Rates are based on $500 deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different Stinger trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the low end price of $568 for the bare minimum liability coverage to a much higher rate of $3,246 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how your location can change auto insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates quotes using their specific location, instead of using averaged prices.
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 illustrates average Kia Stinger insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $866
- Raising to $1,000 deductibles will save $184 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,496
- Selecting more expensive low deductibles will cost an additional $356 every year
- At-risk drivers with serious driving violations could pay around $3,246
- The cost that insures a teen driver with full coverage can cost $5,728
Insurance rates for a Kia Stinger can also vary considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 134% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,700 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 $980 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,020 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $540 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $459 more per year. View Rates by Deductible or Liability Limit
| 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
Saving money on car insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following is a quick review of the primary concepts that were illustrated above.
- It is possible to save around $180 per year just by shopping early and online
- Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,750 more per year for Stinger insurance
- Increasing deductibles can save approximately $550 each year
- Teens are expensive to insure, costing up to $477 per month if full coverage is included
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 | $5,728 |
| 20 | $3,464 |
| 30 | $1,548 |
| 40 | $1,496 |
| 50 | $1,368 |
| 60 | $1,342 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,852 |
| $250 | $1,686 |
| $500 | $1,496 |
| $1,000 | $1,312 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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