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 $1,496 annually with full coverage. Comprehensive costs approximately $282 a year, collision insurance costs $524, and liability is estimated at $510. Buying just liability costs approximately $568 a year, and insurance for high-risk drivers costs around $3,246. 16-year-old drivers pay the highest rates at up to $5,728 a year.

Average premium for full coverage: $1,496

Price estimates by individual coverage:

Includes $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Stinger trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations have fewer collision claims than congested cities. The diagram below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why it is important to get quotes using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Rate Comparisons

The chart below details average Kia Stinger insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $866
• Choosing higher $1,000 deductibles can save $1,312 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,496
• Buying low $100 deductibles for comp and collision coverage will cost $1,852
• Higher-risk drivers with multiple tickets or accidents could pay around $3,246
• The price with full coverage for a 16-year-old driver can cost $5,728 each year

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 physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,800 to $2,500 additional each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $540 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $459 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Kia Stinger insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Utah, Ohio, and New Hampshire, or at least $2,020 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Cheapest Kia Stinger Insurance

Getting lower rates on insurance for a Kia Stinger takes having a good driving record, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a recap of the data touched on in the above illustrations.

• Insureds who purchase increased levels of liability coverage will pay around $560 every year to raise limits from a low limit to higher 250/500 limits
• You may be able to save around $180 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $550 each year
• Drivers age 20 and younger are the costliest to insure, costing up to $477 a month if they have full coverage

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!