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 auto insurance rates for a Kia Stinger are $1,458 annually with full coverage. Comprehensive costs an estimated $270 each year, collision costs $494, and liability costs around $514. A policy with just liability insurance costs as low as $572 a year, with coverage for high-risk drivers costing around $3,166. Teen drivers pay the highest rates at $5,616 a year or more.

Average premium for full coverage: $1,458

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Stinger models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. More rural locations have fewer collision claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

The ranges above demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $847
• Using higher $1,000 deductibles will save approximately $174 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,458
• Choosing low deductibles for physical damage coverage will cost $1,794
• Drivers with multiple violations and an at-fault accident could pay up to $3,166 or more
• The price with full coverage for a teen driver can cost as much as $5,616 or more

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $510 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $462 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Kia Stinger insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Each insurance company uses a different rate calculation, so the prices may be quite different between companies.

How to Buy the Best Kia Stinger Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every other policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief recap of the ideas that were presented in the illustrations above.

• Drivers under the age of 20 are charged the highest prices, costing up to $468 a month including comprehensive and collision insurance
• Higher risk drivers who tend to receive serious violations pay on average $1,710 more annually to insure a Kia Stinger
• Increasing physical damage deductibles could save up to $500 each year
• You may be able to save approximately $170 per year simply by quoting online in advance

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!