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.

U.S. average insurance rates for a Kia Stinger are $1,458 a year including full coverage. Comprehensive costs on average $270, collision insurance costs $494, and liability is estimated at $514. Buying just liability costs approximately $572 a year, and insurance for high-risk drivers costs around $3,166. Teenage drivers pay the highest rates at up to $5,616 a year.

Average premium for full coverage: $1,458

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Stinger trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on car insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below breaks down average Kia Stinger insurance rates for different risk profiles and scenarios.

• The best discount rate is $847
• Choosing higher $1,000 deductibles can save around $174 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,458
• Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,794
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,166
• The price that insures a 16-year-old driver with full coverage may cost $5,616 each year

View Chart as Image

Insurance prices for a Kia Stinger are also quite variable based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,700 to $2,400 additional each year, depending on your age. High-risk driver insurance ranges from 43% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Stinger insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $510 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $462 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Kia Stinger Insurance

Getting lower rates on insurance for a Kia Stinger takes being a good driver, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Compare prices at every policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a quick review of the data covered in the above illustrations.

• Insureds who require an increased level of liability coverage will pay an extra $570 per year to raise limits from a low limit to the 250/500 level
• You may be able to save as much as $170 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $500 each year
• Drivers age 16 to 20 pay higher prices, possibly costing $468 a month if comprehensive and collision insurance is included

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!