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.
Estimated insurance rates for a Kia Stinger are $1,562 a year including full coverage. Comprehensive costs around $310, collision insurance costs $586, and liability costs around $486. Liability-only coverage costs as low as $548 a year, and high-risk coverage costs around $3,384. Teenage drivers pay the most at up to $5,892 a year.
Average premium for full coverage: $1,562
Premium estimates for type of coverage:
Estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all Stinger models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Kia Stinger range from as low as $548 for your basic liability-only policy to the much higher price of $3,384 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance rates.
These rate differences highlight why everyone should compare prices for a specific zip code and risk profile, instead of using 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.
More Rate Information
The chart below breaks down average Kia Stinger insurance rates for additional coverage choices and driver risks.
- The best discount rate is $897
- Using higher $1,000 deductibles will save about $204 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,562
- Using pricier low deductibles for physical damage coverage will increase the cost to $1,956
- Drivers who are prone to accidents and violations could pay at least $3,384
- An auto insurance policy for full coverage for a teen driver for full coverage can be $5,892 or more
Insurance prices for a Kia Stinger also have a wide range based on your driving characteristics, the model of your Stinger, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $5,800 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 $1,200 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.
| 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% |
Using high physical damage deductibles could cut prices by as much as $600 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $438 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,900 to $2,600 extra annually, depending on your age. Kia Stinger insurance for high-risk drivers can be as much as 44% to 136% more than a normal policy. View High Risk Driver Rates
| 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 Low Cost Kia Stinger Insurance
Finding better rates on car insurance requires not taking risks behind the wheel, maintaining good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a review of the information covered in the above illustrations.
- You may be able to save up to $190 per year just by quoting online well ahead of the renewal date
- Teens pay higher prices, with the cost nearing $491 per month for full coverage
- Increasing policy deductibles can save around $600 each year
- Higher risk drivers who have several accidents or serious violations pay on average $1,820 more every year for Stinger insurance
- Policyholders who may need higher liability limits will pay an extra $540 per year to increase from 30/60 bodily injury limits to 250/500 limits
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 | $5,892 |
| 20 | $3,612 |
| 30 | $1,620 |
| 40 | $1,562 |
| 50 | $1,426 |
| 60 | $1,398 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,956 |
| $250 | $1,772 |
| $500 | $1,562 |
| $1,000 | $1,358 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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