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 auto insurance rates for a Kia Stinger are $1,496 annually including full coverage. Comprehensive costs approximately $282 each year, collision insurance costs $524, and liability costs $510. Liability-only coverage costs as little as $568 a year, and high-risk coverage costs around $3,246. Teens cost the most to insure at up to $5,728 a year.

Average premium for full coverage: $1,496

Policy rates by type of insurance:

Includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.

The examples above highlight why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below breaks down average Kia Stinger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $866
• Drivers who choose higher $1,000 deductibles will pay $184 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,496
• Selecting low deductibles for comprehensive and collision insurance will cost $1,852
• Drivers with serious driving violations could pay around $3,246
• Policy cost with full coverage for a 16-year-old driver can cost $5,728 a year

View Chart as Image

Insurance rates for a Kia Stinger also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,500 additional every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $540 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $459 more each year. View Rates by Deductible or Liability Limit

Your home state 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 Vermont, New Hampshire, and Missouri, or have to pay at least $2,130 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Cheapest Kia Stinger Insurance

Finding cheaper rates on insurance for a Kia Stinger not only requires having a good driving record, but also having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a recap of the ideas that were touched on above.

• Drivers age 20 and younger are the costliest to insure, with premiums being up to $477 each month if they have full coverage
• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,750 more per year to buy Kia Stinger insurance
• Increasing comprehensive and collision deductibles could save up to $550 each year
• You may be able to save around $180 per year just by quoting online in advance

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!