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 prices for a Kia Stinger are $1,458 every 12 months including full coverage. Comprehensive costs approximately $270 a year, collision costs $494, and liability coverage is $514. A policy with just liability insurance costs around $572 a year, with coverage for high-risk drivers costing around $3,166. Teenage drivers pay the highest rates at $5,616 a year or more.

Average premium for full coverage: $1,458

Price estimates by individual coverage:

Includes $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Stinger trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance prices.

The ranges above highlight why it is important to compare rates quotes using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below breaks down estimated Kia Stinger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $847
• Raising to $1,000 deductibles will save $1,284 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,458
• Using low $100 deductibles increases the price to $1,794
• Unlucky drivers who are prone to accidents and violations could pay around $3,166 or more
• The price to insure a teenage driver can cost $5,616

View Chart as Image

Insurance prices for a Kia Stinger are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Stinger.

Using high physical damage deductibles can reduce prices by up to $510 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $462 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Kia Stinger insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different.

How to Shop for the Cheapest Kia Stinger Insurance

Getting lower rates on auto insurance consists of being a safe and courteous driver, having good credit, being claim-free, and maximizing policy discounts. Invest the time to shop around once a year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a recap of the data that was illustrated above.

• You may be able to save around $170 per year simply by quoting early and online
• Consumers who purchase higher levels of liability will pay an extra $570 per year to raise from a low limit to a 250/500 level
• Teenage drivers are expensive to insure, possibly costing $468 a month if they have full coverage
• Drivers that have major violations or accidents could be charged and average of $1,710 more per year for auto 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!