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. Comprehensive insurance costs an estimated $282, collision insurance costs $524, and liability insurance is estimated at $510. Liability-only coverage costs approximately $568 a year, and high-risk coverage costs $3,246 or more. Teen drivers cost the most to insure at up to $5,728 a year.

Average premium for full coverage: $1,496

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Stinger models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas. The example below illustrates how rural and urban location affects insurance prices.

The examples above show why everyone should get quotes for a targeted area and risk profile, rather than relying on price averages.

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

Additional Rate Analysis

The chart below shows average Kia Stinger insurance rates for other coverage scenarios.

• The lowest rate with discounts is $866
• Choosing higher $1,000 deductibles can save approximately $184 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,496
• Choosing pricier low deductibles for comp and collision coverage will cost an extra $356 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,246
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,728 each year

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 liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $5,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Stinger insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Iowa, Maine, and Idaho, or as much as $2,130 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $540 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $459 more each 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 $1,800 to $2,500 additional every year, depending on your age. Kia Stinger insurance for high-risk drivers ranges anywhere from 44% to 134% more than average. View High Risk Driver Rates

How to Find the Best Kia Stinger Insurance

Finding cheaper rates on Kia Stinger insurance takes not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at least every other year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a brief recap of the car insurance concepts raised in the charts and tables above.

• High-risk drivers who tend to receive serious violations pay an average of $1,750 more annually for Stinger insurance
• Drivers can save approximately $180 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $550 each year
• Drivers who want higher liability limits will pay about $560 each year to raise limits from a 30/60 limit to 250/500 limits

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!