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.

Average insurance prices for a Kia Stinger are $1,496 every 12 months including full coverage. Comprehensive insurance costs on average $282 each year, collision insurance costs $524, and liability is $510. A policy with just liability insurance costs around $568 a year, and coverage for high-risk drivers costs $3,246 or more. Teenage 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:

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

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how your location can change car insurance rates.

These examples highlight why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $866
• Raising to $1,000 deductibles will save around $184 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,496
• Using low deductibles costs an extra $356 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,246
• The cost to insure a 16-year-old driver may cost $5,728

View Chart as Image

Insurance rates for a Kia Stinger can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Stinger.

Using high physical damage deductibles can reduce rates by up to $540 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $459 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,500 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Kia Stinger insurance prices. A middle-age driver might find rates as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,130 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Cheaper Kia Stinger Insurance

Saving money on insurance for a Kia Stinger consists of avoiding accidents and claims, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a condensed summary of the material that was illustrated above.

• Insureds who require increased liability limits will pay an extra $560 per year to raise from a minimum limit to a 250/500 level
• Drivers under the age of 20 pay higher rates, as much as $477 per month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,750 more each year to insure a Kia Stinger
• Increasing deductibles could save as much as $550 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!