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.

Estimated insurance rates for a Kia Stinger are $1,458 a year for full coverage insurance. Comprehensive costs approximately $270, collision insurance costs $494, and liability costs $514. Liability-only coverage costs as little as $572 a year, and high-risk coverage costs around $3,166. Teenage drivers pay the most at up to $5,616 a year.

Average premium for full coverage: $1,458

Premium estimates by type of coverage:

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Stinger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $847
• Drivers who choose higher $1,000 deductibles will pay $174 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,458
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,794
• Higher-risk drivers who are prone to accidents and violations could pay around $3,166
• An auto insurance policy that insures a teen driver for full coverage can cost $5,616 a year

View Chart as Image

Insurance prices for a Kia Stinger also have a wide range based on the model of your Stinger, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 extra annually, depending on your age. Kia Stinger insurance for high-risk drivers can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little 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 can expect to pay in the ballpark of $5,600 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 $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,970 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $510 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $462 more per year. View Rates by Deductible or Liability Limit

How to Find Affordable Kia Stinger Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices at every policy renewal by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a brief review of the data covered in the above illustrations.

• Policyholders who purchase increased levels of liability coverage will pay an extra $570 annually to go from 30/60 bodily injury limits to the 250/500 level
• It is possible to save around $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $500 each year
• Drivers age 20 and younger are expensive to insure, with premiums being up to $468 per month if full coverage is included

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!