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 $1,496 a year with full coverage. Comprehensive costs an estimated $282, collision insurance costs $524, and liability costs around $510. Liability-only insurance costs as low as $568 a year, and high-risk driver insurance costs around $3,246. Teens cost the most to insure at up to $5,728 a year.

Average premium for full coverage: $1,496

Policy rates broken down by type of insurance:

Prices include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how where you live affects insurance prices.

The examples above demonstrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below details average Kia Stinger insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $866
• Using higher $1,000 deductibles will save approximately $184 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,496
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,852
• High-risk insureds with serious driving violations could pay up to $3,246
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $5,728 or more

View Chart as Image

Auto insurance rates for a Kia Stinger also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,700 a year. View Rates by Age

Your home state has a huge impact on Kia Stinger insurance prices. A driver around age 40 might see rates as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,020 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $459 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,800 to $2,500 in extra premium every year, depending on your age. Kia Stinger insurance for high-risk drivers can be from 44% to 134% more than the average policy. View High Risk Driver Rates

How to Find the Right Kia Stinger Insurance

Finding cheaper rates on insurance for a Kia Stinger requires not taking risks behind the wheel, having good credit, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a quick rundown of the data that was touched on in the above illustrations.

• You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
• Insureds who want higher liability limits will pay approximately $560 every year to increase from a 30/60 limit to 250/500 limits
• Teens are the costliest to insure, as much as $477 each month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,750 more annually for Stinger insurance

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!