Kia Stinger Insurance Rates

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2018 Kia Stinger Insurance Cost in 2025

Want lower insurance rates for your Kia Stinger? Wish you could get out of an overpriced insurance policy? Trust us, there are many consumers feeling the pinch from expensive insurance. Numerous auto insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurance company and get the definite cheapest price It's smart to compare premium rates every six months be...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Apr 18, 2024

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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.

Average insurance rates for a Kia Stinger are $1,496 a year including full coverage. Comprehensive costs on average $282, collision insurance costs $524, and liability costs $510. A policy with just liability insurance costs as little as $568 a year, and coverage for high-risk drivers costs around $3,246. 16-year-old drivers receive the highest rates at up to $5,728 a year.

Average premium for full coverage: $1,496

Rate estimates by individual coverage type:

Comprehensive $282
Collision $524
Liability $510

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Stinger models.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from the low end price of $568 for a discount liability-only rate to the much higher price of $3,246 for a high-risk insurance policy.

Liability Only $568
Full Coverage $1,496
High Risk $3,246

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how your location can change car insurance rates.

Rural Areas $1,122
Small Cities $1,571
Large Cities $2,020

These examples highlight why everyone should compare rates based on a specific location, instead of making a decision based on rate 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.

Rates by State, City, and Model

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

  • The best full coverage rate is $866
  • Drivers who choose higher $1,000 deductibles will pay around $184 every year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,496
  • Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,852
  • Drivers with multiple tickets or accidents could pay upwards of $3,246
  • The cost that insures a 16-year-old driver for full coverage may cost $5,728 a year

View Chart as Image

Kia Stinger insurance cost comparison chart
Column chart showing Kia Stinger insurance rates range from $866 to $5,728 for full coverage

Insurance rates for a Kia Stinger can also vary considerably based on the model of your Stinger, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,800 to $2,500 additional per year, depending on your age. Kia Stinger insurance for high-risk drivers can cost from 44% to 134% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,700 a year. View Rates by Age

Where you live makes a big difference in Kia Stinger insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,130 on average in Michigan, New York, and Louisiana.

Kia Stinger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,350 -$146 -9.8%
Alaska $1,146 -$350 -23.4%
Arizona $1,242 -$254 -17.0%
Arkansas $1,496 -$0 0.0%
California $1,704 $208 13.9%
Colorado $1,424 -$72 -4.8%
Connecticut $1,534 $38 2.5%
Delaware $1,690 $194 13.0%
Florida $1,870 $374 25.0%
Georgia $1,380 -$116 -7.8%
Hawaii $1,072 -$424 -28.3%
Idaho $1,012 -$484 -32.4%
Illinois $1,112 -$384 -25.7%
Indiana $1,128 -$368 -24.6%
Iowa $1,008 -$488 -32.6%
Kansas $1,418 -$78 -5.2%
Kentucky $2,038 $542 36.2%
Louisiana $2,212 $716 47.9%
Maine $924 -$572 -38.2%
Maryland $1,232 -$264 -17.6%
Massachusetts $1,192 -$304 -20.3%
Michigan $2,594 $1,098 73.4%
Minnesota $1,250 -$246 -16.4%
Mississippi $1,790 $294 19.7%
Missouri $1,326 -$170 -11.4%
Montana $1,606 $110 7.4%
Nebraska $1,178 -$318 -21.3%
Nevada $1,794 $298 19.9%
New Hampshire $1,078 -$418 -27.9%
New Jersey $1,672 $176 11.8%
New Mexico $1,324 -$172 -11.5%
New York $1,574 $78 5.2%
North Carolina $862 -$634 -42.4%
North Dakota $1,224 -$272 -18.2%
Ohio $1,032 -$464 -31.0%
Oklahoma $1,534 $38 2.5%
Oregon $1,370 -$126 -8.4%
Pennsylvania $1,424 -$72 -4.8%
Rhode Island $1,992 $496 33.2%
South Carolina $1,354 -$142 -9.5%
South Dakota $1,262 -$234 -15.6%
Tennessee $1,306 -$190 -12.7%
Texas $1,800 $304 20.3%
Utah $1,106 -$390 -26.1%
Vermont $1,022 -$474 -31.7%
Virginia $894 -$602 -40.2%
Washington $1,154 -$342 -22.9%
West Virginia $1,370 -$126 -8.4%
Wisconsin $1,032 -$464 -31.0%
Wyoming $1,330 -$166 -11.1%

View Chart as Image

Kia Stinger insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $540 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $459 more each year. View Rates by Deductible or Liability Limit

Kia Stinger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Kia Stinger $332 $626 $450 $1,588
2022 Kia Stinger $320 $610 $470 $1,580
2021 Kia Stinger $310 $586 $486 $1,562
2020 Kia Stinger $292 $564 $500 $1,536
2019 Kia Stinger $282 $524 $510 $1,496
2018 Kia Stinger $270 $494 $514 $1,458

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 Find Cheaper Kia Stinger Insurance

Saving money on insurance for a Kia Stinger not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Comparison shop at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a condensed summary of the car insurance concepts illustrated above.

  • Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,750 more each year for car insurance
  • You may be able to save as much as $180 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $550 each year
  • Insureds who require higher liability limits will pay around $560 per year to go from a minimum limit to the 250/500 level

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!

Rates by Driver Age

Kia Stinger Insurance Rates by Driver Age
Driver Age Premium
16 $5,728
20 $3,464
30 $1,548
40 $1,496
50 $1,368
60 $1,342

Full coverage, $500 deductibles

Rates by Deductible

Kia Stinger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,852
$250 $1,686
$500 $1,496
$1,000 $1,312

Full coverage, driver age 40

Rates by Liability Limit

Kia Stinger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,496
50/100 $1,598
100/300 $1,726
250/500 $2,057
100 CSL $1,649
300 CSL $1,930
500 CSL $2,134

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Stinger Insurance Rates for High Risk Drivers
Age Premium
16 $8,156
20 $5,520
30 $3,304
40 $3,246
50 $3,102
60 $3,074

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.

SR-22 Surcharge $210

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $80
Homeowner $23
5-yr Accident Free $107
5-yr Claim Free $97
Paid in Full/EFT $66
Advance Quote $73
Online Quote $105
Total Discounts $630
Rate after discounts $866

Discounts are estimated and may not be available from every company or in every state.

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