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...
Licensed Insurance Agent
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.
Estimated insurance rates for a Kia Stinger are $1,496 a year with full coverage. Comprehensive costs around $282, collision insurance costs $524, and liability costs $510. A policy with only liability insurance costs as little as $568 a year, and a high-risk policy costs around $3,246. Teens pay the most at up to $5,728 a year.
Average premium for full coverage: $1,496
Premium estimates for type of coverage:
Includes $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all Stinger models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Kia Stinger range from the low end price of $568 for the bare minimum liability coverage to the much higher price of $3,246 for high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance rates.
These rate differences demonstrate why everyone should compare rates for a specific zip code, instead of making a decision based on averaged prices.
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.
Additional Rate Information
The chart below details average Kia Stinger insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $866
- Drivers who choose higher $1,000 deductibles will pay about $184 annually
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,496
- Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,852
- Drivers with serious driving violations could pay at least $3,246
- An auto insurance policy that insures a 16-year-old driver for full coverage can be $5,728 a year
Car insurance prices for a Kia Stinger also have a wide range based on the model of your Stinger, your age and driving habits, and deductibles and policy limits.
If you have a few violations or you caused an accident, you may be forking out at least $1,800 to $2,500 extra annually, depending on your age. Kia Stinger insurance for high-risk drivers can cost from 44% to 134% more than the average policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $5,700 a year. View Rates by Age
Where you choose to live makes a big difference in Kia Stinger insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,020 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,350 | -$146 | -9.8% |
| Alaska | $1,146 | -$350 | -23.4% |
| Arizona | $1,242 | -$254 | -17.0% |
| Arkansas | $1,496 | -$0 | 0.0% |
| California | $1,704 | $208 | 13.9% |
| Colorado | $1,424 | -$72 | -4.8% |
| Connecticut | $1,534 | $38 | 2.5% |
| Delaware | $1,690 | $194 | 13.0% |
| Florida | $1,870 | $374 | 25.0% |
| Georgia | $1,380 | -$116 | -7.8% |
| Hawaii | $1,072 | -$424 | -28.3% |
| Idaho | $1,012 | -$484 | -32.4% |
| Illinois | $1,112 | -$384 | -25.7% |
| Indiana | $1,128 | -$368 | -24.6% |
| Iowa | $1,008 | -$488 | -32.6% |
| Kansas | $1,418 | -$78 | -5.2% |
| Kentucky | $2,038 | $542 | 36.2% |
| Louisiana | $2,212 | $716 | 47.9% |
| Maine | $924 | -$572 | -38.2% |
| Maryland | $1,232 | -$264 | -17.6% |
| Massachusetts | $1,192 | -$304 | -20.3% |
| Michigan | $2,594 | $1,098 | 73.4% |
| Minnesota | $1,250 | -$246 | -16.4% |
| Mississippi | $1,790 | $294 | 19.7% |
| Missouri | $1,326 | -$170 | -11.4% |
| Montana | $1,606 | $110 | 7.4% |
| Nebraska | $1,178 | -$318 | -21.3% |
| Nevada | $1,794 | $298 | 19.9% |
| New Hampshire | $1,078 | -$418 | -27.9% |
| New Jersey | $1,672 | $176 | 11.8% |
| New Mexico | $1,324 | -$172 | -11.5% |
| New York | $1,574 | $78 | 5.2% |
| North Carolina | $862 | -$634 | -42.4% |
| North Dakota | $1,224 | -$272 | -18.2% |
| Ohio | $1,032 | -$464 | -31.0% |
| Oklahoma | $1,534 | $38 | 2.5% |
| Oregon | $1,370 | -$126 | -8.4% |
| Pennsylvania | $1,424 | -$72 | -4.8% |
| Rhode Island | $1,992 | $496 | 33.2% |
| South Carolina | $1,354 | -$142 | -9.5% |
| South Dakota | $1,262 | -$234 | -15.6% |
| Tennessee | $1,306 | -$190 | -12.7% |
| Texas | $1,800 | $304 | 20.3% |
| Utah | $1,106 | -$390 | -26.1% |
| Vermont | $1,022 | -$474 | -31.7% |
| Virginia | $894 | -$602 | -40.2% |
| Washington | $1,154 | -$342 | -22.9% |
| West Virginia | $1,370 | -$126 | -8.4% |
| Wisconsin | $1,032 | -$464 | -31.0% |
| Wyoming | $1,330 | -$166 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $459 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Kia Stinger | $332 | $626 | $450 | $1,588 |
| 2022 Kia Stinger | $320 | $610 | $470 | $1,580 |
| 2021 Kia Stinger | $310 | $586 | $486 | $1,562 |
| 2020 Kia Stinger | $292 | $564 | $500 | $1,536 |
| 2019 Kia Stinger | $282 | $524 | $510 | $1,496 |
| 2018 Kia Stinger | $270 | $494 | $514 | $1,458 |
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
Finding better rates on insurance for a Kia Stinger not only requires not taking risks behind the wheel, but also having a positive credit history, being claim-free, and consideration of higher deductibles. Compare rates every couple of years by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
The following is a recap of the material that was touched on in this article.
- Insureds who may need higher liability limits will pay approximately $560 every year to go from 30/60 bodily injury limits to the 250/500 level
- Teens are the costliest to insure, possibly costing $477 per month if full coverage is purchased
- Drivers considered higher risk that have major violations or accidents may pay on average $1,750 more every year for Stinger insurance
- Increasing policy deductibles can save approximately $550 each year
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 | $5,728 |
| 20 | $3,464 |
| 30 | $1,548 |
| 40 | $1,496 |
| 50 | $1,368 |
| 60 | $1,342 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,852 |
| $250 | $1,686 |
| $500 | $1,496 |
| $1,000 | $1,312 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,496 |
| 50/100 | $1,598 |
| 100/300 | $1,726 |
| 250/500 | $2,057 |
| 100 CSL | $1,649 |
| 300 CSL | $1,930 |
| 500 CSL | $2,134 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,156 |
| 20 | $5,520 |
| 30 | $3,304 |
| 40 | $3,246 |
| 50 | $3,102 |
| 60 | $3,074 |
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 | $79 |
| Multi-vehicle | $80 |
| Homeowner | $23 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $66 |
| Advance Quote | $73 |
| Online Quote | $105 |
| Total Discounts | $630 |
Discounts are estimated and may not be available from every company or in every state.
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