Kia Stinger Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

U.S. average insurance rates for a Kia Stinger are $1,536 a year for full coverage. Comprehensive insurance costs an estimated $292 each year, collision insurance costs $564, and liability costs around $500. A policy with just liability insurance costs as low as $560 a year, and coverage for high-risk drivers costs $3,340 or more. Teen drivers pay the highest rates at up to $5,858 a year.

Average premium for full coverage: $1,536

Price estimates broken down by individual coverage:

Comprehensive $292
Collision $564
Liability $500

Prices include $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Stinger models.

Price Range from Low to High

For a driver around age 40, Kia Stinger insurance prices range from the low end price of $560 for basic liability insurance to a high rate of $3,340 for high-risk insurance.

Liability Only $560
Full Coverage $1,536
High Risk $3,340

Geographic Price Range

Where you live can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,152
Small Cities $1,613
Large Cities $2,074

The ranges above show why all drivers should compare prices for a targeted area, instead of making a decision based on price 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.

Rate Comparisons

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

  • The lowest rate with discounts is $884
  • Using higher $1,000 deductibles will save approximately $194 a year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,536
  • Choosing low deductibles for physical damage coverage will cost an additional $380 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,340
  • The price that insures a 16-year-old driver can cost as much as $5,858 or more

View Chart as Image

Kia Stinger insurance cost comparison chart
Column chart showing Kia Stinger insurance prices range from $884 to $5,858 for full coverage

Insurance prices for a Kia Stinger are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,800 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 $1,010 a year in states like Iowa, Maine, and Idaho, or as much as $2,190 on average in New York, Louisiana, and Michigan.

Kia Stinger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,388 -$148 -9.6%
Alaska $1,178 -$358 -23.3%
Arizona $1,274 -$262 -17.1%
Arkansas $1,536 -$0 0.0%
California $1,752 $216 14.1%
Colorado $1,468 -$68 -4.4%
Connecticut $1,578 $42 2.7%
Delaware $1,738 $202 13.2%
Florida $1,922 $386 25.1%
Georgia $1,420 -$116 -7.6%
Hawaii $1,102 -$434 -28.3%
Idaho $1,040 -$496 -32.3%
Illinois $1,142 -$394 -25.7%
Indiana $1,158 -$378 -24.6%
Iowa $1,038 -$498 -32.4%
Kansas $1,458 -$78 -5.1%
Kentucky $2,094 $558 36.3%
Louisiana $2,274 $738 48.0%
Maine $948 -$588 -38.3%
Maryland $1,268 -$268 -17.4%
Massachusetts $1,228 -$308 -20.1%
Michigan $2,666 $1,130 73.6%
Minnesota $1,284 -$252 -16.4%
Mississippi $1,840 $304 19.8%
Missouri $1,364 -$172 -11.2%
Montana $1,650 $114 7.4%
Nebraska $1,210 -$326 -21.2%
Nevada $1,844 $308 20.1%
New Hampshire $1,106 -$430 -28.0%
New Jersey $1,716 $180 11.7%
New Mexico $1,358 -$178 -11.6%
New York $1,618 $82 5.3%
North Carolina $886 -$650 -42.3%
North Dakota $1,260 -$276 -18.0%
Ohio $1,060 -$476 -31.0%
Oklahoma $1,576 $40 2.6%
Oregon $1,408 -$128 -8.3%
Pennsylvania $1,462 -$74 -4.8%
Rhode Island $2,050 $514 33.5%
South Carolina $1,392 -$144 -9.4%
South Dakota $1,296 -$240 -15.6%
Tennessee $1,344 -$192 -12.5%
Texas $1,850 $314 20.4%
Utah $1,136 -$400 -26.0%
Vermont $1,052 -$484 -31.5%
Virginia $920 -$616 -40.1%
Washington $1,186 -$350 -22.8%
West Virginia $1,408 -$128 -8.3%
Wisconsin $1,062 -$474 -30.9%
Wyoming $1,368 -$168 -10.9%

View Chart as Image

Kia Stinger insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $580 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $450 more per year. View Rates by Deductible or Liability Limit

Kia Stinger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Kia Stinger $346 $630 $440 $1,596
2022 Kia Stinger $332 $626 $450 $1,588
2021 Kia Stinger $320 $610 $470 $1,580
2020 Kia Stinger $310 $586 $486 $1,562
2019 Kia Stinger $292 $564 $500 $1,536
2018 Kia Stinger $282 $524 $510 $1,496

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 Find the Right Kia Stinger Insurance

Getting lower rates on insurance for a Kia Stinger requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Shop around every couple of years by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The following is a quick rundown of the material that was covered above.

  • Insureds who want higher liability limits will pay about $550 each year to increase from a low limit to the 250/500 level
  • Teens are charged the highest prices, with premiums as much as $488 a month if full coverage is included
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,800 more annually for Stinger insurance
  • Increasing physical damage deductibles can save approximately $575 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.

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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!

Rates by Driver Age

Kia Stinger Insurance Rates by Driver Age
Driver Age Premium
16 $5,858
20 $3,566
30 $1,596
40 $1,536
50 $1,406
60 $1,380

Full coverage, $500 deductibles

Rates by Deductible

Kia Stinger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,916
$250 $1,740
$500 $1,536
$1,000 $1,342

Full coverage, driver age 40

Rates by Liability Limit

Kia Stinger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,536
50/100 $1,636
100/300 $1,761
250/500 $2,086
100 CSL $1,686
300 CSL $1,961
500 CSL $2,161

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Stinger Insurance Rates for High Risk Drivers
Age Premium
16 $8,348
20 $5,688
30 $3,406
40 $3,340
50 $3,192
60 $3,166

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.

SR-22 Surcharge $217

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $81
Multi-vehicle $82
Homeowner $24
5-yr Accident Free $112
5-yr Claim Free $100
Paid in Full/EFT $69
Advance Quote $76
Online Quote $108
Total Discounts $652
Rate after discounts $884

Discounts are estimated and may not be available from every company or in every state.

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