Kia Stinger Insurance Rates
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UPDATED: May 1, 2020
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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.
Average insurance rates for a Kia Stinger are $1,580 a year for full coverage insurance. Comprehensive insurance costs approximately $320, collision costs $610, and liability is estimated at $470. Liability-only coverage costs approximately $536 a year, with high-risk coverage costing $3,432 or more. Teenage drivers receive the highest rates at $5,938 a year or more.
Average premium for full coverage: $1,580
Rate estimates by individual coverage type:
Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Stinger trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as low as $536 for your basic liability-only policy to a much higher rate of $3,432 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples illustrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based on average rates.
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 Information
The chart below illustrates estimated Kia Stinger insurance rates for additional coverage and risk scenarios.
- The best discount rate is $906
- Choosing higher $1,000 deductibles can save $210 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,580
- Using more expensive low deductibles for comp and collision coverage will cost an extra $414 annually
- Higher-risk drivers who are prone to accidents and violations could pay around $3,432 or more
- The cost for full coverage for a 16-year-old driver with full coverage can cost $5,938 each year
Car insurance rates for a Kia Stinger can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may pay as low as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $5,900 a year. View Rates by Age
Where you live plays a big part in determining prices for Kia Stinger insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,130 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,428 | -$152 | -9.6% |
| Alaska | $1,212 | -$368 | -23.3% |
| Arizona | $1,312 | -$268 | -17.0% |
| Arkansas | $1,580 | -$0 | 0.0% |
| California | $1,802 | $222 | 14.1% |
| Colorado | $1,508 | -$72 | -4.6% |
| Connecticut | $1,626 | $46 | 2.9% |
| Delaware | $1,788 | $208 | 13.2% |
| Florida | $1,976 | $396 | 25.1% |
| Georgia | $1,460 | -$120 | -7.6% |
| Hawaii | $1,134 | -$446 | -28.2% |
| Idaho | $1,072 | -$508 | -32.2% |
| Illinois | $1,176 | -$404 | -25.6% |
| Indiana | $1,192 | -$388 | -24.6% |
| Iowa | $1,066 | -$514 | -32.5% |
| Kansas | $1,500 | -$80 | -5.1% |
| Kentucky | $2,156 | $576 | 36.5% |
| Louisiana | $2,340 | $760 | 48.1% |
| Maine | $976 | -$604 | -38.2% |
| Maryland | $1,304 | -$276 | -17.5% |
| Massachusetts | $1,262 | -$318 | -20.1% |
| Michigan | $2,742 | $1,162 | 73.5% |
| Minnesota | $1,324 | -$256 | -16.2% |
| Mississippi | $1,896 | $316 | 20.0% |
| Missouri | $1,402 | -$178 | -11.3% |
| Montana | $1,698 | $118 | 7.5% |
| Nebraska | $1,246 | -$334 | -21.1% |
| Nevada | $1,896 | $316 | 20.0% |
| New Hampshire | $1,138 | -$442 | -28.0% |
| New Jersey | $1,768 | $188 | 11.9% |
| New Mexico | $1,398 | -$182 | -11.5% |
| New York | $1,666 | $86 | 5.4% |
| North Carolina | $910 | -$670 | -42.4% |
| North Dakota | $1,294 | -$286 | -18.1% |
| Ohio | $1,092 | -$488 | -30.9% |
| Oklahoma | $1,620 | $40 | 2.5% |
| Oregon | $1,448 | -$132 | -8.4% |
| Pennsylvania | $1,506 | -$74 | -4.7% |
| Rhode Island | $2,110 | $530 | 33.5% |
| South Carolina | $1,432 | -$148 | -9.4% |
| South Dakota | $1,334 | -$246 | -15.6% |
| Tennessee | $1,382 | -$198 | -12.5% |
| Texas | $1,904 | $324 | 20.5% |
| Utah | $1,170 | -$410 | -25.9% |
| Vermont | $1,084 | -$496 | -31.4% |
| Virginia | $946 | -$634 | -40.1% |
| Washington | $1,220 | -$360 | -22.8% |
| West Virginia | $1,450 | -$130 | -8.2% |
| Wisconsin | $1,094 | -$486 | -30.8% |
| Wyoming | $1,408 | -$172 | -10.9% |
Using high physical damage deductibles can save as much as $630 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $423 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance ranges from 44% to 134% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Kia Stinger | $320 | $610 | $470 | $1,580 |
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 More Affordable Kia Stinger Insurance
Saving money on insurance for a Kia Stinger takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The items below are a summary of the car insurance concepts covered above.
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,850 more per year to insure their Stinger
- It is possible to save around $190 per year simply by shopping early and online
- Increasing deductibles can save around $625 each year
- Insureds who purchase more liability coverage will pay an extra $520 annually to raise limits from a minimum 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.
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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 | $5,938 |
| 20 | $3,664 |
| 30 | $1,646 |
| 40 | $1,580 |
| 50 | $1,444 |
| 60 | $1,418 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,994 |
| $250 | $1,802 |
| $500 | $1,580 |
| $1,000 | $1,370 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,580 |
| 50/100 | $1,674 |
| 100/300 | $1,792 |
| 250/500 | $2,097 |
| 100 CSL | $1,721 |
| 300 CSL | $1,980 |
| 500 CSL | $2,168 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,476 |
| 20 | $5,832 |
| 30 | $3,502 |
| 40 | $3,432 |
| 50 | $3,276 |
| 60 | $3,246 |
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 | $84 |
| Multi-vehicle | $84 |
| Homeowner | $23 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $102 |
| Paid in Full/EFT | $73 |
| Advance Quote | $79 |
| Online Quote | $112 |
| Total Discounts | $674 |
Discounts are estimated and may not be available from every company or in every state.
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