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 with full coverage. Comprehensive insurance costs approximately $270 a year, collision costs $494, and liability costs $514. A policy with just liability insurance costs as little as $572 a year, with coverage for high-risk drivers costing $3,166 or more. Teenage drivers pay the highest rates at $5,616 a year or more.

Average premium for full coverage: $1,458

Price estimates by individual coverage:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Stinger trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why it is important to compare rates using their specific location, instead of making a decision based on average rates.

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

More Rate Information

The chart below details estimated Kia Stinger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $847
• Drivers who choose higher $1,000 deductibles will pay $1,284 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,458
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $336 annually
• Drivers who are prone to accidents and violations could pay around $3,166 or more
• The price that insures a 16-year-old driver can cost $5,616 a year

View Chart as Image

Insurance prices for a Kia Stinger are also quite variable based on the trim level of your Stinger, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,600 a year. View Rates by Age

The state you live in makes a big difference in Kia Stinger insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,970 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $510 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $462 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Every company uses a different method to calculate prices, so the prices may be quite different.

How to Find More Affordable Kia Stinger Insurance

Getting lower rates on insurance for a Kia Stinger not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices once a year by requesting rates from direct companies, and also from local insurance agencies.

The next list is a summary of the data that was presented in the illustrations above.

• You may be able to save around $170 per year simply by quoting early and online
• Insureds who purchase increased levels of liability coverage will pay an extra $570 every year to go from a low limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, costing up to $468 a month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,710 more per year to buy Kia Stinger insurance

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!