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 for full coverage. Comprehensive insurance costs around $270 a year, collision insurance costs $494, and liability coverage is $514. Buying just liability costs around $572 a year, and insurance for high-risk drivers 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 for type of insurance:

Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Stinger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above show why it is important to compare rates quotes for a specific zip code and risk profile, rather than using price averages.

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

Additional Rate Information

The chart below shows average Kia Stinger insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $847
• Raising to $1,000 deductibles will save about $1,284 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,458
• Choosing low $100 deductibles will cost an extra $336 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,166
• Policy cost for full coverage for a teenage driver can be $5,616

View Chart as Image

Insurance rates for a Kia Stinger also range considerably based on your risk profile, the trim level of your Stinger, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,600 a year. View Rates by Age

Your home state also has a big influence on Kia Stinger insurance rates. A middle-age driver might find rates as low as $960 a year in states like Idaho, Maine, and Iowa, or as much as $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $510 a year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $462 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 130% more than average. View High Risk Driver Rates

How to Find the Right Kia Stinger Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a quick rundown of the coverage data raised in the charts and tables above.

• Drivers can save up to $170 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $500 each year
• Teen drivers pay higher rates, costing up to $468 each month for full coverage
• Drivers with reckless driving or DUI convictions may be required to pay an average of $1,710 more every year to insure their Stinger

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!