Kia Stinger Insurance Rates
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Written by
Jeffrey Johnson
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UPDATED: May 1, 2020
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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 auto insurance rates for a Kia Stinger are $1,596 annually for full coverage. Comprehensive costs around $346, collision costs $630, and liability is estimated at $440. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $3,454. Teen drivers pay the most at $5,916 a year or more.
Average premium for full coverage: $1,596
Premium estimates for type of coverage:
Prices include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist coverage. Rates include averaging for all states and for all Stinger models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Kia Stinger go from as cheap as $510 for only liability insurance to the much higher price of $3,454 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance rates.
These rate differences show why everyone should get quotes for a specific zip code and their own personal driving habits, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Insurance Rate Analysis
The chart below shows estimated Kia Stinger insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $917
- Choosing higher $1,000 deductibles can save about $222 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,596
- Choosing pricier low deductibles for comp and collision coverage will cost $2,028
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,454 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can be $5,916 each year
Auto insurance prices for a Kia Stinger also have a wide range based on the model of your Stinger, your driver profile, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,900 to $2,600 in extra premium annually, depending on your age. Kia Stinger insurance for high-risk drivers ranges as much as 44% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $660 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $396 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Kia Stinger insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or as much as $2,280 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,442 | -$154 | -9.6% |
| Alaska | $1,226 | -$370 | -23.2% |
| Arizona | $1,326 | -$270 | -16.9% |
| Arkansas | $1,596 | -$0 | 0.0% |
| California | $1,820 | $224 | 14.0% |
| Colorado | $1,522 | -$74 | -4.6% |
| Connecticut | $1,640 | $44 | 2.8% |
| Delaware | $1,808 | $212 | 13.3% |
| Florida | $1,996 | $400 | 25.1% |
| Georgia | $1,474 | -$122 | -7.6% |
| Hawaii | $1,144 | -$452 | -28.3% |
| Idaho | $1,082 | -$514 | -32.2% |
| Illinois | $1,188 | -$408 | -25.6% |
| Indiana | $1,204 | -$392 | -24.6% |
| Iowa | $1,078 | -$518 | -32.5% |
| Kansas | $1,516 | -$80 | -5.0% |
| Kentucky | $2,176 | $580 | 36.3% |
| Louisiana | $2,364 | $768 | 48.1% |
| Maine | $988 | -$608 | -38.1% |
| Maryland | $1,318 | -$278 | -17.4% |
| Massachusetts | $1,274 | -$322 | -20.2% |
| Michigan | $2,772 | $1,176 | 73.7% |
| Minnesota | $1,336 | -$260 | -16.3% |
| Mississippi | $1,914 | $318 | 19.9% |
| Missouri | $1,416 | -$180 | -11.3% |
| Montana | $1,716 | $120 | 7.5% |
| Nebraska | $1,260 | -$336 | -21.1% |
| Nevada | $1,914 | $318 | 19.9% |
| New Hampshire | $1,152 | -$444 | -27.8% |
| New Jersey | $1,784 | $188 | 11.8% |
| New Mexico | $1,412 | -$184 | -11.5% |
| New York | $1,682 | $86 | 5.4% |
| North Carolina | $922 | -$674 | -42.2% |
| North Dakota | $1,308 | -$288 | -18.0% |
| Ohio | $1,102 | -$494 | -31.0% |
| Oklahoma | $1,638 | $42 | 2.6% |
| Oregon | $1,462 | -$134 | -8.4% |
| Pennsylvania | $1,522 | -$74 | -4.6% |
| Rhode Island | $2,132 | $536 | 33.6% |
| South Carolina | $1,448 | -$148 | -9.3% |
| South Dakota | $1,348 | -$248 | -15.5% |
| Tennessee | $1,396 | -$200 | -12.5% |
| Texas | $1,922 | $326 | 20.4% |
| Utah | $1,180 | -$416 | -26.1% |
| Vermont | $1,094 | -$502 | -31.5% |
| Virginia | $956 | -$640 | -40.1% |
| Washington | $1,230 | -$366 | -22.9% |
| West Virginia | $1,464 | -$132 | -8.3% |
| Wisconsin | $1,104 | -$492 | -30.8% |
| Wyoming | $1,422 | -$174 | -10.9% |
With such a large range in prices, the only way to know your exact price is to regularly compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Stinger | $346 | $630 | $440 | $1,596 |
| 2019 Kia Stinger | $332 | $626 | $450 | $1,588 |
| 2018 Kia Stinger | $320 | $610 | $470 | $1,580 |
Rates are averaged for all Kia Stinger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Right Kia Stinger Insurance
Finding better rates on car insurance takes being a safe driver, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around every year by requesting quotes from direct carriers, and also from local independent and exclusive agents.
Here is a quick rundown of the coverage data raised in the charts and tables above.
- Drivers can save up to $190 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $650 each year
- Young drivers are expensive to insure, as much as $493 per month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions pay an average of $1,860 more every year for 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.
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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.
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!
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,916 |
| 20 | $3,684 |
| 30 | $1,668 |
| 40 | $1,596 |
| 50 | $1,456 |
| 60 | $1,430 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,028 |
| $250 | $1,828 |
| $500 | $1,596 |
| $1,000 | $1,374 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,596 |
| 50/100 | $1,684 |
| 100/300 | $1,794 |
| 250/500 | $2,080 |
| 100 CSL | $1,728 |
| 300 CSL | $1,970 |
| 500 CSL | $2,146 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,448 |
| 20 | $5,858 |
| 30 | $3,530 |
| 40 | $3,454 |
| 50 | $3,292 |
| 60 | $3,264 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $85 |
| Multi-vehicle | $83 |
| Homeowner | $23 |
| 5-yr Accident Free | $119 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $74 |
| Advance Quote | $79 |
| Online Quote | $113 |
| Total Discounts | $679 |
Discounts are estimated and may not be available from every company or in every state.
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