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 with full coverage. Comprehensive costs on average $270, collision costs $494, and liability is $514. A policy with just liability insurance costs around $572 a year, with coverage for high-risk drivers costing around $3,166. 16-year-old drivers pay the highest rates at $5,616 a year or more.

Average premium for full coverage: $1,458

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different Stinger trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $847
• Raising to $1,000 deductibles will save around $174 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,458
• Buying more expensive low deductibles will increase the cost to $1,794
• Drivers with multiple tickets or accidents could pay upwards of $3,166 or more
• The price for full coverage for a 16-year-old driver with full coverage may cost $5,616

View Chart as Image

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

An older driver with a clean driving record and high deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $5,600 a year. View Rates by Age

The state you live in also has a big influence on Kia Stinger insurance prices. A middle-age driver might find prices as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or at least $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $510 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $462 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.

How to Find Affordable Kia Stinger Insurance

Getting lower rates on insurance for a Kia Stinger consists of having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to compare rates every time your policy renews by quoting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The following items are a brief review of the information covered above.

• You may be able to save as much as $170 per year simply by shopping early and online
• 16 to 18-year-old drivers pay the highest prices, costing up to $468 a month for full coverage
• Increasing physical damage deductibles can save around $500 each year
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,710 more each year than a driver with a clean driving record
• Insureds who require additional liability coverage will pay around $570 every year to raise from a low limit to 250/500 limits

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!