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.

U.S. average insurance rates for a Kia Stinger are $1,458 a year for full coverage insurance. Comprehensive costs on average $270 each year, collision insurance costs $494, and liability costs around $514. Liability-only insurance costs as low as $572 a year, and high-risk driver insurance costs around $3,166. Teenage drivers pay the highest rates at up to $5,616 a year.

Average premium for full coverage: $1,458

Price estimates by individual coverage:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Stinger models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why all drivers should compare prices based on a specific location, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $847
• Using higher $1,000 deductibles will save around $174 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,458
• Using low deductibles for physical damage coverage bumps up the cost to $1,794
• Drivers who are prone to accidents and violations could pay upwards of $3,166
• The price that insures a teen driver may cost $5,616 or more

View Chart as Image

Car insurance prices for a Kia Stinger are also quite variable based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,600 a year. View Rates by Age

The state you live in has a huge impact on Kia Stinger insurance prices. A driver around age 40 might see prices as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,970 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $510 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $462 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Kia Stinger Insurance

Getting lower rates on car insurance requires being a good driver, having a positive credit history, not filing small claims, and possibly raising deductibles. Compare prices every other policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a recap of the ideas that were covered in the above illustrations.

• Drivers age 16 to 20 are expensive to insure, as much as $468 a month if full coverage is purchased
• Higher risk drivers that have major violations or accidents may pay on average $1,710 more each year than a safer driver
• Increasing physical damage deductibles can save approximately $500 each year
• It is possible to save as much as $170 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!