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 rates for a Kia Stinger are $1,458 a year for full coverage. Comprehensive costs an estimated $270 each year, collision insurance costs $494, and liability insurance is estimated at $514. Buying just liability costs approximately $572 a year, and insurance for high-risk drivers costs around $3,166. Teen drivers pay the highest rates at up to $5,616 a year.

Average premium for full coverage: $1,458

Price estimates broken down by individual coverage:

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Stinger models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas. The graphic below illustrates how location helps determine insurance prices.

The ranges above show why all drivers should get quotes for a targeted area, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $847
• Choosing higher $1,000 deductibles can save approximately $174 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,458
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,794
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,166
• The price that insures a teen driver can cost as much as $5,616 each year

View Chart as Image

Insurance prices for a Kia Stinger are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 130% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Stinger insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Iowa, Maine, and Idaho, or as much as $2,080 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $510 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $462 more each year. View Rates by Deductible or Liability Limit

How to Find the Best Kia Stinger Insurance

Getting lower rates on Kia Stinger insurance takes being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Shop around every couple of years by getting quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a brief recap of the material that was covered in the charts and tables above.

• Drivers who want higher levels of liability will pay about $570 each year to raise limits from a low limit to the 250/500 level
• Teenage drivers are expensive to insure, with premiums as much as $468 a month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations may pay on average $1,710 more annually for auto insurance
• Increasing physical damage deductibles can save approximately $500 each year

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!