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.

Average insurance rates for a Kia Stinger are $1,496 a year including full coverage. Comprehensive insurance costs an estimated $282 a year, collision costs $524, and liability coverage is estimated at $510. A policy with just liability insurance costs approximately $568 a year, with coverage for high-risk drivers costing $3,246 or more. Teenage drivers receive the highest rates at $5,728 a year or more.

Average premium for full coverage: $1,496

Rate estimates broken down by individual coverage type:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Stinger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why it is important to get quotes for a targeted area, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Kia Stinger insurance rates for other coverage scenarios.

• The best discount rate is $866
• Choosing higher $1,000 deductibles can save approximately $1,312 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,496
• Using low $100 deductibles for comp and collision coverage will cost an additional $356 each year
• Drivers who are prone to accidents and violations could pay up to $3,246 or more
• The cost that insures a teenage driver can cost as much as $5,728 each year

View Chart as Image

Insurance rates for a Kia Stinger can also vary considerably based on the trim level of your Stinger, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia Stinger insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,130 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $540 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $459 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.

How to Find Low Cost Kia Stinger Insurance

Saving money on auto insurance takes being safe and accident-free, having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below you'll find a review of the information covered above.

• You may be able to save approximately $180 per year simply by quoting early and online
• Youthful drivers are expensive to insure, as much as $477 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $550 each year
• Drivers who have several accidents or serious violations could be charged and average of $1,750 more annually than a low-risk driver
• Consumers who want more liability protection will pay an extra $560 per year to raise limits from a minimum limit to the 250/500 level

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!