Kia Stinger Insurance Rates
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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 rates for a Kia Stinger are $1,536 a year for full coverage. Comprehensive costs an estimated $292, collision costs $564, and liability coverage is $500. A policy with only liability insurance costs around $560 a year, with a high-risk policy costing around $3,340. 16-year-old drivers pay the most at $5,858 a year or more.
Average premium for full coverage: $1,536
Premium estimates broken down by type of coverage:
Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all Stinger models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Kia Stinger go from as low as $560 for basic liability insurance to the much higher price of $3,340 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than congested cities.
The example below illustrates the difference location can make on insurance prices.
These rate differences show why everyone should compare rates quotes for a targeted area and risk profile, rather than 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.
Rate Comparisons
The chart below shows estimated Kia Stinger insurance rates for other coverage scenarios.
- The best full coverage rate is $884
- Raising to $1,000 deductibles will save approximately $194 a year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,536
- Buying pricier low deductibles will increase the cost to $1,916
- Unlucky drivers with multiple tickets or accidents could pay up to $3,340 or more
- An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $5,858
Car insurance prices for a Kia Stinger also have a wide range based on your driving characteristics, the trim level of your Stinger, and liability limits and deductibles.
A more mature driver with no driving violations and high deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $5,800 a year. View Rates by Age
Where you choose to live also has a big influence on Kia Stinger insurance rates. A middle-age driver might find prices as low as $1,010 a year in states like Iowa, Maine, and Idaho, or at least $2,190 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $580 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $450 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying $1,800 to $2,500 extra annually, depending on your age. Kia Stinger insurance for high-risk drivers is expensive and can cost around 43% to 130% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.
| 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 Low Cost Kia Stinger Insurance
Finding better rates on auto insurance consists of having a good driving record, having above-average credit, not filing small claims, and not having any coverage lapses. Make time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The next list is a review of the information touched on in this article.
- Drivers can save approximately $180 per year simply by quoting online well ahead of the renewal date
- Drivers age 20 and younger have the highest car insurance prices, as much as $488 per month if full coverage is included
- Increasing policy deductibles can save around $575 each year
- Drivers who have several accidents or serious violations pay an average of $1,800 more annually to buy Kia Stinger insurance
- Consumers who want increased levels of liability coverage will pay around $550 each year to raise from 30/60 bodily injury limits 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 | $5,858 |
| 20 | $3,566 |
| 30 | $1,596 |
| 40 | $1,536 |
| 50 | $1,406 |
| 60 | $1,380 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,916 |
| $250 | $1,740 |
| $500 | $1,536 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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