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.

Average insurance rates for a Kia Stinger are $1,458 a year with full coverage. Comprehensive insurance costs on average $270 each year, collision insurance costs $494, and liability insurance costs $514. A policy with just liability insurance costs as little as $572 a year, and coverage for high-risk drivers costs $3,166 or more. Teens receive the highest rates at up to $5,616 a year.

Average premium for full coverage: $1,458

Rate estimates by individual coverage type:

These estimates include $500 deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Stinger models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.

These examples demonstrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $847
• Drivers who choose higher $1,000 deductibles will pay around $174 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,458
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $336 a year
• High risk drivers with serious driving violations could pay upwards of $3,166
• The cost for full coverage for a teen driver may cost $5,616 a year

View Chart as Image

Insurance rates for a Kia Stinger can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $5,600 a year. View Rates by Age

Where you live makes a big difference in Kia Stinger insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $510 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $462 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

How to Find Cheap Kia Stinger Insurance

Saving money on Kia Stinger insurance not only requires not taking risks behind the wheel, but also having a good credit history, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every year by quoting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The following is a brief summary of the coverage data raised in the charts and tables above.

• You may be able to save as much as $170 per year just by quoting online in advance
• Increasing deductibles can save around $500 each year
• Teens pay higher rates, with premiums as much as $468 per month including comprehensive and collision insurance
• High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,710 more each year for Stinger insurance

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!