Kia Stinger Insurance Rates

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 $1,458 a year for full coverage. Comprehensive insurance costs around $270 a year, collision costs $494, and liability coverage is $514. A liability-only policy costs around $572 a year, with high-risk insurance costing $3,166 or more. Teenage drivers cost the most to insure at $5,616 a year or more.

Average premium for full coverage: $1,458

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Stinger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

The examples above show why it is important to compare rates quotes for a specific zip code, rather than using average rates.

Use the form below to get customized rates for your location.

More Rate Details

The chart below shows estimated Kia Stinger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $847
• Raising to $1,000 deductibles will save about $1,284 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,458
• Using low $100 deductibles will cost an additional $336 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $3,166 or more
• Policy cost that insures a teenage driver can be $5,616

View Chart as Image

Car insurance rates for a Kia Stinger also range considerably based on the trim level of your Stinger, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $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 will be charged as much as $5,600 a year. View Rates by Age

Your home state also has a big influence on Kia Stinger insurance rates. A middle-age driver might find rates as low as $960 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $510 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $462 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

How to Find More Affordable Kia Stinger Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices once a year by getting quotes from direct carriers, and also from several local insurance agents.

The following list is a summary of the data that was touched on above.

• Drivers can save up to $170 per year simply by quoting early and online
• Consumers who may need an increased level of liability coverage will pay an extra $570 each year to raise from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, costing up to $468 each month if full coverage is purchased
• Drivers who have multiple accidents or major violations pay on average $1,710 more every year than a safer driver

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.

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.

• Buick LaCrosse
• Chrysler 300
• Ford Taurus

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!