Kia Stinger Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 18, 2024
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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 $1,458 a year for full coverage. Comprehensive costs around $270, collision costs $494, and liability is estimated at $514. A policy with just liability insurance costs approximately $572 a year, with coverage for high-risk drivers costing around $3,166. Teen drivers receive the highest rates at $5,616 a year or more.
Average premium for full coverage: $1,458
Rate estimates for individual coverage type:
Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Stinger models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $572 for your basic liability-only policy to the much higher price of $3,166 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas.
The example below illustrates how location helps determine auto insurance rates.
These examples show why everyone should get quotes for a specific zip code, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Kia Stinger insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $847
- Choosing higher $1,000 deductibles can save about $174 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,458
- Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,794
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,166 or more
- The cost that insures a 16-year-old driver for full coverage can be $5,616 each year
Insurance rates for a Kia Stinger can also vary considerably based on the model of your Stinger, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,700 to $2,400 additional per year, depending on your age. Kia Stinger insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates
A more mature 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. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,600 a year. View Rates by Age
Where you live plays a big part in determining prices for Kia Stinger insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,080 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,318 | -$140 | -9.6% |
| Alaska | $1,116 | -$342 | -23.5% |
| Arizona | $1,212 | -$246 | -16.9% |
| Arkansas | $1,458 | -$0 | 0.0% |
| California | $1,660 | $202 | 13.9% |
| Colorado | $1,392 | -$66 | -4.5% |
| Connecticut | $1,498 | $40 | 2.7% |
| Delaware | $1,650 | $192 | 13.2% |
| Florida | $1,824 | $366 | 25.1% |
| Georgia | $1,348 | -$110 | -7.5% |
| Hawaii | $1,046 | -$412 | -28.3% |
| Idaho | $986 | -$472 | -32.4% |
| Illinois | $1,086 | -$372 | -25.5% |
| Indiana | $1,100 | -$358 | -24.6% |
| Iowa | $984 | -$474 | -32.5% |
| Kansas | $1,382 | -$76 | -5.2% |
| Kentucky | $1,988 | $530 | 36.4% |
| Louisiana | $2,158 | $700 | 48.0% |
| Maine | $900 | -$558 | -38.3% |
| Maryland | $1,202 | -$256 | -17.6% |
| Massachusetts | $1,164 | -$294 | -20.2% |
| Michigan | $2,530 | $1,072 | 73.5% |
| Minnesota | $1,220 | -$238 | -16.3% |
| Mississippi | $1,748 | $290 | 19.9% |
| Missouri | $1,292 | -$166 | -11.4% |
| Montana | $1,566 | $108 | 7.4% |
| Nebraska | $1,148 | -$310 | -21.3% |
| Nevada | $1,750 | $292 | 20.0% |
| New Hampshire | $1,050 | -$408 | -28.0% |
| New Jersey | $1,632 | $174 | 11.9% |
| New Mexico | $1,292 | -$166 | -11.4% |
| New York | $1,536 | $78 | 5.3% |
| North Carolina | $840 | -$618 | -42.4% |
| North Dakota | $1,194 | -$264 | -18.1% |
| Ohio | $1,006 | -$452 | -31.0% |
| Oklahoma | $1,494 | $36 | 2.5% |
| Oregon | $1,336 | -$122 | -8.4% |
| Pennsylvania | $1,388 | -$70 | -4.8% |
| Rhode Island | $1,944 | $486 | 33.3% |
| South Carolina | $1,320 | -$138 | -9.5% |
| South Dakota | $1,230 | -$228 | -15.6% |
| Tennessee | $1,274 | -$184 | -12.6% |
| Texas | $1,756 | $298 | 20.4% |
| Utah | $1,078 | -$380 | -26.1% |
| Vermont | $998 | -$460 | -31.6% |
| Virginia | $872 | -$586 | -40.2% |
| Washington | $1,124 | -$334 | -22.9% |
| West Virginia | $1,336 | -$122 | -8.4% |
| Wisconsin | $1,008 | -$450 | -30.9% |
| Wyoming | $1,298 | -$160 | -11.0% |
Choosing high deductibles can save as much as $510 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $462 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know your exact price is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Kia Stinger | $320 | $610 | $470 | $1,580 |
| 2022 Kia Stinger | $310 | $586 | $486 | $1,562 |
| 2021 Kia Stinger | $292 | $564 | $500 | $1,536 |
| 2020 Kia Stinger | $282 | $524 | $510 | $1,496 |
| 2019 Kia Stinger | $270 | $494 | $514 | $1,458 |
| 2018 Kia Stinger | $258 | $442 | $520 | $1,400 |
Rates are averaged for all Kia Stinger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Kia Stinger Insurance
Saving money on insurance for a Kia Stinger takes being a good driver, having a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Shop around at every policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a recap of the data covered in the charts and tables above.
- Insureds who may need an increased level of liability coverage will pay about $570 each year to raise limits from a minimum limit to the 250/500 level
- Drivers can save up to $170 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $500 each year
- Drivers age 16 to 20 are charged the highest rates, costing as high as $468 per 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.
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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.
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!
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,616 |
| 20 | $3,374 |
| 30 | $1,506 |
| 40 | $1,458 |
| 50 | $1,336 |
| 60 | $1,310 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,794 |
| $250 | $1,638 |
| $500 | $1,458 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,458 |
| 50/100 | $1,561 |
| 100/300 | $1,689 |
| 250/500 | $2,023 |
| 100 CSL | $1,612 |
| 300 CSL | $1,895 |
| 500 CSL | $2,101 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,988 |
| 20 | $5,378 |
| 30 | $3,218 |
| 40 | $3,166 |
| 50 | $3,022 |
| 60 | $2,996 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $78 |
| Homeowner | $23 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $63 |
| Advance Quote | $71 |
| Online Quote | $102 |
| Total Discounts | $611 |
Discounts are estimated and may not be available from every company or in every state.
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