Kia Stinger Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.
Estimated insurance rates for a Kia Stinger are $1,458 a year including full coverage. Comprehensive costs an estimated $270 each year, collision insurance costs $494, and liability insurance is $514. Liability-only coverage costs around $572 a year, and high-risk coverage costs around $3,166. Teen drivers pay the most at up to $5,616 a year.
Average premium for full coverage: $1,458
Premium estimates broken down by type of coverage:
Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Stinger models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Kia Stinger range from the low end price of $572 for a discount liability-only rate to a high rate of $3,166 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how your location can change insurance prices.
These rate differences highlight why all drivers should compare rates quotes for a targeted area, rather than relying on price 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 other coverage scenarios.
- The lowest rate with discounts is $847
- Raising to $1,000 deductibles will save approximately $174 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,458
- Choosing low deductibles bumps up the cost to $1,794
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,166
- An auto insurance policy that insures a teen driver can cost as much as $5,616
Insurance prices for a Kia Stinger also have a wide range based on the trim level and model year, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $1,700 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,600 a year. View Rates by Age
Where you choose to live also has a big influence on Kia Stinger insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,080 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,318 | -$140 | -9.6% |
| Alaska | $1,116 | -$342 | -23.5% |
| Arizona | $1,212 | -$246 | -16.9% |
| Arkansas | $1,458 | -$0 | 0.0% |
| California | $1,660 | $202 | 13.9% |
| Colorado | $1,392 | -$66 | -4.5% |
| Connecticut | $1,498 | $40 | 2.7% |
| Delaware | $1,650 | $192 | 13.2% |
| Florida | $1,824 | $366 | 25.1% |
| Georgia | $1,348 | -$110 | -7.5% |
| Hawaii | $1,046 | -$412 | -28.3% |
| Idaho | $986 | -$472 | -32.4% |
| Illinois | $1,086 | -$372 | -25.5% |
| Indiana | $1,100 | -$358 | -24.6% |
| Iowa | $984 | -$474 | -32.5% |
| Kansas | $1,382 | -$76 | -5.2% |
| Kentucky | $1,988 | $530 | 36.4% |
| Louisiana | $2,158 | $700 | 48.0% |
| Maine | $900 | -$558 | -38.3% |
| Maryland | $1,202 | -$256 | -17.6% |
| Massachusetts | $1,164 | -$294 | -20.2% |
| Michigan | $2,530 | $1,072 | 73.5% |
| Minnesota | $1,220 | -$238 | -16.3% |
| Mississippi | $1,748 | $290 | 19.9% |
| Missouri | $1,292 | -$166 | -11.4% |
| Montana | $1,566 | $108 | 7.4% |
| Nebraska | $1,148 | -$310 | -21.3% |
| Nevada | $1,750 | $292 | 20.0% |
| New Hampshire | $1,050 | -$408 | -28.0% |
| New Jersey | $1,632 | $174 | 11.9% |
| New Mexico | $1,292 | -$166 | -11.4% |
| New York | $1,536 | $78 | 5.3% |
| North Carolina | $840 | -$618 | -42.4% |
| North Dakota | $1,194 | -$264 | -18.1% |
| Ohio | $1,006 | -$452 | -31.0% |
| Oklahoma | $1,494 | $36 | 2.5% |
| Oregon | $1,336 | -$122 | -8.4% |
| Pennsylvania | $1,388 | -$70 | -4.8% |
| Rhode Island | $1,944 | $486 | 33.3% |
| South Carolina | $1,320 | -$138 | -9.5% |
| South Dakota | $1,230 | -$228 | -15.6% |
| Tennessee | $1,274 | -$184 | -12.6% |
| Texas | $1,756 | $298 | 20.4% |
| Utah | $1,078 | -$380 | -26.1% |
| Vermont | $998 | -$460 | -31.6% |
| Virginia | $872 | -$586 | -40.2% |
| Washington | $1,124 | -$334 | -22.9% |
| West Virginia | $1,336 | -$122 | -8.4% |
| Wisconsin | $1,008 | -$450 | -30.9% |
| Wyoming | $1,298 | -$160 | -11.0% |
Choosing high deductibles can reduce prices by up to $510 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $462 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Kia Stinger | $320 | $610 | $470 | $1,580 |
| 2022 Kia Stinger | $310 | $586 | $486 | $1,562 |
| 2021 Kia Stinger | $292 | $564 | $500 | $1,536 |
| 2020 Kia Stinger | $282 | $524 | $510 | $1,496 |
| 2019 Kia Stinger | $270 | $494 | $514 | $1,458 |
| 2018 Kia Stinger | $258 | $442 | $520 | $1,400 |
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 More Affordable Kia Stinger Insurance
Finding better rates on Kia Stinger insurance consists of being safe and accident-free, having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Shop around every time your policy renews by requesting rates from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a summary of the information illustrated above.
- You may be able to save approximately $170 per year just by quoting online in advance
- Youthful drivers are charged the highest prices, with the cost nearing $468 per month if full coverage is included
- Increasing policy deductibles can save approximately $500 each year
- High-risk drivers who have multiple accidents or major violations could be charged and average of $1,710 more annually than a low-risk driver
- Drivers who want more liability protection will pay about $570 per year to raise from 30/60 bodily injury limits 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!
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,616 |
| 20 | $3,374 |
| 30 | $1,506 |
| 40 | $1,458 |
| 50 | $1,336 |
| 60 | $1,310 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,794 |
| $250 | $1,638 |
| $500 | $1,458 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,458 |
| 50/100 | $1,561 |
| 100/300 | $1,689 |
| 250/500 | $2,023 |
| 100 CSL | $1,612 |
| 300 CSL | $1,895 |
| 500 CSL | $2,101 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,988 |
| 20 | $5,378 |
| 30 | $3,218 |
| 40 | $3,166 |
| 50 | $3,022 |
| 60 | $2,996 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $78 |
| Homeowner | $23 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $63 |
| Advance Quote | $71 |
| Online Quote | $102 |
| Total Discounts | $611 |
Discounts are estimated and may not be available from every company or in every state.
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