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 costs around $270 each year, collision costs $494, and liability insurance is estimated at $514. Liability-only coverage costs approximately $572 a year, with high-risk coverage costing around $3,166. Teens 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:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above show why all drivers should get quotes for a specific zip code, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $847
• Choosing higher $1,000 deductibles can save about $174 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,458
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,794
• High-risk insureds with serious driving violations could pay at least $3,166 or more
• Policy cost that insures a teen driver can be $5,616 each year

View Chart as Image

Insurance rates for a Kia Stinger also range considerably based on the trim level and model year, 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 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Stinger insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 each year, whereas increasing 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 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to do a rate comparison from as many companies as possible. Each auto insurer calculates rates differently, and rates will be varied.

How to Find Affordable Kia Stinger Insurance

Finding cheaper rates on Kia Stinger insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates once a year by requesting rates from direct carriers, and also from several local insurance agents.

The following items are a brief review of the data that was covered in the charts and tables above.

• Drivers can save up to $170 per year simply by quoting online in advance
• Drivers who may need additional liability coverage will pay approximately $570 each year to raise limits from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are charged the highest rates, costing up to $468 each month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions pay on average $1,710 more every year than a driver with a clean driving record

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!