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 insurance costs on average $270 a year, collision costs $494, and liability costs around $514. A liability-only policy costs as low as $572 a year, with high-risk insurance costing $3,166 or more. Teenage drivers pay the most at $5,616 a year or more.

Average premium for full coverage: $1,458

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Stinger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why it is important to compare prices based on a specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Kia Stinger insurance rates for different risk profiles and scenarios.

• The best discount rate is $847
• Using higher $1,000 deductibles will save around $1,284 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,458
• Using low $100 deductibles for physical damage coverage will cost an additional $336 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,166 or more
• An auto insurance policy that insures a 16-year-old driver may cost $5,616 or more

View Chart as Image

Auto insurance prices for a Kia Stinger also have a wide range based on the trim level of your Stinger, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $5,600 a year. View Rates by Age

Where you choose to live has a huge impact on Kia Stinger insurance prices. A driver around age 40 might see prices as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $510 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $462 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

How to Find the Best Kia Stinger Insurance

Finding better rates on insurance for a Kia Stinger requires being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices every year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the coverage data covered in the above illustrations.

• It is possible to save as much as $170 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $500 each year
• Youthful drivers are charged the highest prices, with premiums being up to $468 per month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,710 more each year than a low-risk 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!