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.

Average insurance rates for a Kia Stinger are $1,496 a year for full coverage. Comprehensive costs around $282 a year, collision costs $524, and liability insurance is estimated at $510. Buying just liability costs approximately $568 a year, with insurance for high-risk drivers costing around $3,246. Teens receive the highest rates at $5,728 a year or more.

Average premium for full coverage: $1,496

Rate estimates for individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Stinger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance rates.

These examples show why it is important to get quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Rate Details

The chart below shows estimated Kia Stinger insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $866
• Choosing higher $1,000 deductibles can save about $1,312 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,496
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,852
• High-risk insureds with serious driving violations could pay at least $3,246 or more
• The cost for full coverage for a teen driver can be $5,728 each year

View Chart as Image

Auto insurance rates for a Kia Stinger can also vary considerably based on your driver profile, the trim level of your Stinger, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $5,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Kia Stinger insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,130 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 each year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $459 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, and quoted rates can be significantly different from one company to the next.

How to Find Cheaper Kia Stinger Insurance

Saving money on Kia Stinger insurance takes avoiding accidents and violations, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Make time to compare rates every couple of years by requesting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.

The list below is a condensed summary of the material that was touched on in this article.

• Drivers who may need higher liability limits will pay approximately $560 each year to raise limits from a minimum limit to 250/500 limits
• Teenagers are expensive to insure, costing as high as $477 per month if they have full coverage
• High-risk drivers with multiple at-fault accidents may be required to pay an average of $1,750 more every year for car insurance
• Increasing deductibles can save around $550 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.

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!