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.

The average insurance rates for a Kia Stinger are $1,458 a year including full coverage. Comprehensive costs an estimated $270 a year, collision insurance costs $494, and liability is $514. Buying just liability costs around $572 a year, and insurance for high-risk drivers costs around $3,166. Teenage drivers cost the most to insure at up to $5,616 a year.

Average premium for full coverage: $1,458

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area, instead of using average rates.

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

Additional Rate Analysis

The chart below breaks down average Kia Stinger insurance rates for other coverage scenarios.

• The best discount rate is $847
• Raising to $1,000 deductibles will save approximately $1,284 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,458
• Using low $100 deductibles bumps up the cost to $1,794
• At-risk drivers who are prone to accidents and violations could pay up to $3,166
• Policy cost that insures a teen driver can cost as much as $5,616

View Chart as Image

Insurance rates for a Kia Stinger also range considerably based on the trim level of your Stinger, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $5,600 a year. View Rates by Age

Your home state also has a big influence on Kia Stinger insurance prices. A middle-age driver might find rates 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

Using high physical damage deductibles can reduce rates by up to $510 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $462 more per year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Kia Stinger Insurance

Finding cheaper rates on car insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare prices once a year by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The following list is a recap of the data that was covered in the above illustrations.

• You may be able to save approximately $170 per year just by quoting early and online
• Policyholders who want an increased level of liability coverage will pay an extra $570 per year to raise from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $468 each month if full coverage is included
• Higher risk drivers that have major violations or accidents could be charged and average of $1,710 more annually than a safer driver

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!