Kia Stinger Insurance Rates
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Michelle Robbins
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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 prices for a Kia Stinger are $1,496 every 12 months for full coverage. Comprehensive costs an estimated $282, collision insurance costs $524, and liability is estimated at $510. A liability-only policy costs approximately $568 a year, and high-risk insurance costs around $3,246. 16-year-old drivers pay the most at up to $5,728 a year.
Average premium for full coverage: $1,496
Premium estimates broken down by type of coverage:
Includes $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different Stinger trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Kia Stinger range from the cheapest price of $568 for just liability insurance to a much higher rate of $3,246 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city can have significant affects on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than congested cities. The price range example below illustrates how location helps determine insurance prices.
These rate differences show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of using rate 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.
More Rate Details
The chart below shows average Kia Stinger insurance rates for other coverage scenarios.
- The best full coverage rate is $866
- Choosing higher $1,000 deductibles can save approximately $184 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,496
- Buying more expensive low deductibles for comp and collision coverage increases the price to $1,852
- Unlucky drivers with multiple tickets or accidents could pay up to $3,246
- An auto insurance policy to insure a teen driver with full coverage can cost as much as $5,728 each year
Auto insurance prices for a Kia Stinger also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $540 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $459 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $5,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 44% to 134% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Kia Stinger insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Iowa, Maine, and Idaho, or at least $2,130 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,350 | -$146 | -9.8% |
| Alaska | $1,146 | -$350 | -23.4% |
| Arizona | $1,242 | -$254 | -17.0% |
| Arkansas | $1,496 | -$0 | 0.0% |
| California | $1,704 | $208 | 13.9% |
| Colorado | $1,424 | -$72 | -4.8% |
| Connecticut | $1,534 | $38 | 2.5% |
| Delaware | $1,690 | $194 | 13.0% |
| Florida | $1,870 | $374 | 25.0% |
| Georgia | $1,380 | -$116 | -7.8% |
| Hawaii | $1,072 | -$424 | -28.3% |
| Idaho | $1,012 | -$484 | -32.4% |
| Illinois | $1,112 | -$384 | -25.7% |
| Indiana | $1,128 | -$368 | -24.6% |
| Iowa | $1,008 | -$488 | -32.6% |
| Kansas | $1,418 | -$78 | -5.2% |
| Kentucky | $2,038 | $542 | 36.2% |
| Louisiana | $2,212 | $716 | 47.9% |
| Maine | $924 | -$572 | -38.2% |
| Maryland | $1,232 | -$264 | -17.6% |
| Massachusetts | $1,192 | -$304 | -20.3% |
| Michigan | $2,594 | $1,098 | 73.4% |
| Minnesota | $1,250 | -$246 | -16.4% |
| Mississippi | $1,790 | $294 | 19.7% |
| Missouri | $1,326 | -$170 | -11.4% |
| Montana | $1,606 | $110 | 7.4% |
| Nebraska | $1,178 | -$318 | -21.3% |
| Nevada | $1,794 | $298 | 19.9% |
| New Hampshire | $1,078 | -$418 | -27.9% |
| New Jersey | $1,672 | $176 | 11.8% |
| New Mexico | $1,324 | -$172 | -11.5% |
| New York | $1,574 | $78 | 5.2% |
| North Carolina | $862 | -$634 | -42.4% |
| North Dakota | $1,224 | -$272 | -18.2% |
| Ohio | $1,032 | -$464 | -31.0% |
| Oklahoma | $1,534 | $38 | 2.5% |
| Oregon | $1,370 | -$126 | -8.4% |
| Pennsylvania | $1,424 | -$72 | -4.8% |
| Rhode Island | $1,992 | $496 | 33.2% |
| South Carolina | $1,354 | -$142 | -9.5% |
| South Dakota | $1,262 | -$234 | -15.6% |
| Tennessee | $1,306 | -$190 | -12.7% |
| Texas | $1,800 | $304 | 20.3% |
| Utah | $1,106 | -$390 | -26.1% |
| Vermont | $1,022 | -$474 | -31.7% |
| Virginia | $894 | -$602 | -40.2% |
| Washington | $1,154 | -$342 | -22.9% |
| West Virginia | $1,370 | -$126 | -8.4% |
| Wisconsin | $1,032 | -$464 | -31.0% |
| Wyoming | $1,330 | -$166 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Kia Stinger | $332 | $626 | $450 | $1,588 |
| 2022 Kia Stinger | $320 | $610 | $470 | $1,580 |
| 2021 Kia Stinger | $310 | $586 | $486 | $1,562 |
| 2020 Kia Stinger | $292 | $564 | $500 | $1,536 |
| 2019 Kia Stinger | $282 | $524 | $510 | $1,496 |
| 2018 Kia Stinger | $270 | $494 | $514 | $1,458 |
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 Shop for the Cheapest Kia Stinger Insurance
Finding better rates on car insurance takes being a good driver, having a good credit score, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at least once a year by requesting quotes from direct carriers, and also from several local insurance agents.
The following list is a recap of the primary concepts that were covered in the charts and tables above.
- Drivers can save approximately $180 per year just by shopping early and online
- Higher risk drivers that have major violations or accidents pay on average $1,750 more annually than a safer driver
- Increasing policy deductibles could save as much as $550 each year
- Drivers age 16 to 20 are the costliest to insure, as much as $477 per month if comprehensive and collision insurance is included
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 | $5,728 |
| 20 | $3,464 |
| 30 | $1,548 |
| 40 | $1,496 |
| 50 | $1,368 |
| 60 | $1,342 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,852 |
| $250 | $1,686 |
| $500 | $1,496 |
| $1,000 | $1,312 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,496 |
| 50/100 | $1,598 |
| 100/300 | $1,726 |
| 250/500 | $2,057 |
| 100 CSL | $1,649 |
| 300 CSL | $1,930 |
| 500 CSL | $2,134 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,156 |
| 20 | $5,520 |
| 30 | $3,304 |
| 40 | $3,246 |
| 50 | $3,102 |
| 60 | $3,074 |
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 | $79 |
| Multi-vehicle | $80 |
| Homeowner | $23 |
| 5-yr Accident Free | $107 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $66 |
| Advance Quote | $73 |
| Online Quote | $105 |
| Total Discounts | $630 |
Discounts are estimated and may not be available from every company or in every state.
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