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 $1,496 a year for full coverage insurance. Comprehensive costs on average $282, collision insurance costs $524, and liability coverage costs around $510. A liability-only policy costs as low as $568 a year, and high-risk insurance costs around $3,246. Teen drivers 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:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how location helps determine car insurance rates.

The examples above illustrate why everyone should compare prices based on a specific location, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $866
• Using higher $1,000 deductibles will save around $184 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,496
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,852
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,246
• Policy cost that insures a teenage driver for full coverage may cost $5,728 or more

View Chart as Image

Car insurance rates for a Kia Stinger also range considerably based on the model of your Stinger, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,800 to $2,500 extra every year, depending on your age. Kia Stinger insurance for high-risk drivers can be around 44% to 134% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,700 a year. View Rates by Age

Your home state has a huge impact on Kia Stinger insurance rates. A driver around age 40 might see rates as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,020 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $540 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $459 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Kia Stinger Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having a positive credit history, being claim-free, and possibly raising deductibles. Shop around every couple of years by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a brief recap of the material that was covered in the charts and tables above.

• Consumers who require higher liability limits will pay about $560 annually to increase from a 30/60 limit to the 250/500 level
• Teenagers are expensive to insure, possibly costing $477 each month if full coverage is purchased
• Drivers who tend to receive serious violations may pay on average $1,750 more each year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $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!