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 with full coverage. Comprehensive insurance costs on average $270, collision insurance costs $494, and liability is estimated at $514. A liability-only policy costs approximately $572 a year, and high-risk insurance costs $3,166 or more. Teen drivers cost the most to insure at up to $5,616 a year.

Average premium for full coverage: $1,458

Policy rates by type of insurance:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why everyone should get quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below details average Kia Stinger insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $847
• Choosing higher $1,000 deductibles can save around $174 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,458
• Choosing pricier low deductibles for comp and collision coverage will cost an extra $336 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,166
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $5,616 each year

View Chart as Image

Car insurance rates for a Kia Stinger also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $5,600 a year. View Rates by Age

Your home state 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 New Hampshire, Ohio, and Utah, or as much as $1,970 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $510 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $462 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 extra every year, depending on your age. Kia Stinger insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates

How to Find Cheap Kia Stinger Insurance

Finding cheaper rates on insurance for a Kia Stinger takes avoiding accidents and claims, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every couple of years by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a brief summary of the material that was raised in the charts and tables above.

• Insureds who require increased liability limits will pay about $570 every year to raise limits from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 are expensive to insure, as much as $468 each month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,710 more each year to insure a Kia Stinger
• Increasing comprehensive and collision deductibles can save around $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!