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

Average premium for full coverage: $1,496

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Stinger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why it is important to get quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $866
• Choosing higher $1,000 deductibles can save $1,312 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,496
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,852
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,246 or more
• Policy cost for full coverage for a 16-year-old driver can cost $5,728 each year

View Chart as Image

Insurance rates for a Kia Stinger also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as low 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 in the ballpark of $5,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Stinger insurance prices. A good driver about age 40 could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,020 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $540 annually, while buying higher liability limits will push rates upward. Switching 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 are probably paying anywhere from $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied from one company to the next.

How to Find the Best Kia Stinger Insurance

Finding cheaper rates on insurance for a Kia Stinger takes avoiding accidents and violations, having a good credit history, being claim-free, and qualifying for all possible discounts. Set aside time to shop around every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief recap of the coverage data raised in the charts and tables above.

• It is possible to save around $180 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $550 each year
• Teenagers are the costliest to insure, possibly costing $477 each month including comprehensive and collision insurance
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,750 more per year for car 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!