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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Kia Stinger insurance averages $203 per month, which is about 22% higher than the national average of $166 per month.
USAA offers the lowest average rate for Kia Stinger drivers, at $114 per month.
The Stinger’s elevated value and high-performance engines contribute to above-average premiums.
Car insurance premiums for the Kia Stinger vary depending on the policy and coverage levels you choose. Liability-only policies only cover bodily injury and property damage you cause to others.
Full coverage includes liability insurance as well as collision and comprehensive coverage to help replace your car after an at-fault accident or a non-collision event like hail.
The table below compares Stinger premiums with the average across all vehicles, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Kia Stinger | $129 | $276 | $203 |
| All vehicles | $116 | $216 | $166 |
The average Kia Stinger driver spends $129 per month on liability coverage and $276 per month on full coverage. That makes the Stinger more expensive than average, especially for full-coverage policies.
In the following sections, we explore the major factors that influence average car insurance rates and the cheapest insurers for the Stinger.
Car insurance rates vary by company for several reasons, even for the same vehicle. That’s because different companies have different business models and ways of assessing risk.
Below we’ve listed the cheapest insurance companies for the Kia Stinger and the average rates for each.
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $126 |
| Allstate | $161 |
| American Family | $171 |
| GEICO | $176 |
| CSAA | $193 |
| Nationwide | $208 |
| Progressive | $212 |
| Travelers | $217 |
| Farmers | $246 |
Let’s take a closer look at three of the best car insurance companies for the Stinger.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA has a long track record of providing excellent customer service to military members and their families. Not only does it offer low rates, but you can also sign up for the telematics program, SafePilot, to save up to 30%. That said, it’s important to know that it doesn’t offer custom parts coverage and reserves original equipment manufacturer parts insurance for newer vehicles.
Industry-leading customer satisfaction rating[1]
Highly rated mobile apps
Available only to military members and veterans
Only available to military members
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers affordable car insurance rates from a highly rated customer service and claims team, with 19,000 agents. The company also offers a mobile app, which boasts excellent customer reviews, for easy self-management.
But you can’t get gap insurance coverage or accident forgiveness with State Farm, and drivers with an accident on their record may not find the cheapest rates with the insurer.
Above-average customer satisfaction rating
Local agents available
Accident forgiveness not available
Gap insurance not available
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $143/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers cheap rates and strong discount options, including its Drivewise telematics program and Milewise mileage program. If you’ve added custom parts to your Stinger, Allstate offers coverage options that can help protect those modifications. But keep in mind that the company’s customer and claims service lag behind the competition.
Above-average usage-based insurance
Accident forgiveness available
Coverages and discounts vary by state
Lower-than-average claims satisfaction[1]
The model year of your vehicle affects your car insurance premiums because your car’s age affects its value and repair costs. Even the older Stinger models retain their value, which keeps replacement costs higher. Their performance-focused engines, which are available across all model years, can also increase maintenance and repair costs.
The tables below show the cheapest car insurance companies for Kia Stingers by model year, according to Compare.com data.
Stinger Model Year | Average Monthly Premium |
|---|---|
| 2023 | $244 |
| 2022 | $244 |
| 2021 | $236 |
| 2020 | $225 |
| 2019 | $221 |
| 2018 | $213 |
Company | Average Monthly Premium |
|---|---|
| USAA | $137 |
| State Farm | $152 |
| Allstate | $194 |
| GEICO | $212 |
| CSAA | $232 |
| American Family | $206 |
| Nationwide | $250 |
| Progressive | $255 |
| Travelers | $261 |
| Farmers | $296 |
| Liberty Mutual | $353 |
| Amica | $664 |
Company | Average Monthly Premium |
|---|---|
| USAA | $137 |
| State Farm | $152 |
| Allstate | $194 |
| GEICO | $212 |
| CSAA | $232 |
| American Family | $206 |
| Nationwide | $250 |
| Progressive | $255 |
| Travelers | $261 |
| Farmers | $296 |
| Liberty Mutual | $353 |
| Amica | $664 |
Company | Average Monthly Premium |
|---|---|
| USAA | $133 |
| State Farm | $147 |
| Allstate | $187 |
| American Family | $199 |
| GEICO | $205 |
| CSAA | $225 |
| Nationwide | $242 |
| Progressive | $247 |
| Travelers | $253 |
| Farmers | $286 |
| Liberty Mutual | $341 |
| Amica | $642 |
Company | Average Monthly Premium |
|---|---|
| USAA | $127 |
| State Farm | $140 |
| Allstate | $179 |
| American Family | $190 |
| GEICO | $195 |
| CSAA | $214 |
| Nationwide | $231 |
| Progressive | $235 |
| Travelers | $241 |
| Farmers | $273 |
| Liberty Mutual | $325 |
| Amica | $613 |
Company | Average Monthly Premium |
|---|---|
| USAA | $124 |
| State Farm | $137 |
| Allstate | $175 |
| American Family | $186 |
| GEICO | $191 |
| CSAA | $210 |
| Nationwide | $226 |
| Progressive | $231 |
| Travelers | $236 |
| Farmers | $268 |
| Liberty Mutual | $319 |
| Amica | $600 |
Company | Average Monthly Premium |
|---|---|
| USAA | $119 |
| State Farm | $132 |
| Allstate | $169 |
| American Family | $179 |
| GEICO | $184 |
| CSAA | $202 |
| Nationwide | $218 |
| Progressive | $222 |
| Travelers | $227 |
| Farmers | $258 |
| Liberty Mutual | $307 |
| Amica | $578 |
Comparing quotes can save you up to $867.†
Where you live plays a major role in your car insurance rates. That’s because local laws, traffic patterns, insurance claims rates, and climate can all affect your risk.[2] The map below shows the average Kia Stinger insurance costs by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $168 |
| Arizona | $178 |
| Arkansas | $193 |
| California | $218 |
| Colorado | $218 |
| Connecticut | $302 |
| Delaware | $253 |
| Florida | $236 |
| Georgia | $271 |
| Hawaii | $134 |
| Idaho | $111 |
| Illinois | $168 |
| Indiana | $138 |
| Iowa | $114 |
| Kansas | $157 |
| Kentucky | $210 |
| Louisiana | $227 |
| Maine | $148 |
| Maryland | $322 |
| Massachusetts | $160 |
| Michigan | $244 |
| Minnesota | $185 |
| Mississippi | $160 |
| Missouri | $193 |
| Montana | $158 |
| Nebraska | $153 |
| Nevada | $269 |
| New Hampshire | $93 |
| New Jersey | $286 |
| New Mexico | $154 |
| New York | $233 |
| North Carolina | $94 |
| North Dakota | $124 |
| Ohio | $131 |
| Oklahoma | $182 |
| Oregon | $162 |
| Pennsylvania | $171 |
| Rhode Island | $233 |
| South Carolina | $260 |
| South Dakota | $147 |
| Tennessee | $151 |
| Texas | $233 |
| Utah | $159 |
| Vermont | $152 |
| Virginia | $190 |
| Washington | $180 |
| Washington D.C. | $334 |
| West Virginia | $157 |
| Wisconsin | $128 |
| Wyoming | $119 |
Age also affects your car insurance costs. Teens and young drivers usually pay more due to inexperience. Rates go down as drivers age and gain experience, especially if they keep a clean driving record. Seniors tend to pay the lowest rates overall until they reach their mid-70s, when fatal accident rates rise.[3]
Here’s how car insurance rates change for Kia Stinger drivers based on age, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $390 |
| Adults | $203 |
| Seniors | $175 |
Teen drivers typically pay the highest rates for car insurance, as they’re the age group with the highest risk of car accidents due to inexperience, distracted driving, and other factors.[4] But rates vary by insurer, and some companies offer cheaper rates to young drivers than others.
Here are the cheapest auto insurers for young Kia Stinger owners, according to Compare.com data.
Senior drivers pay lower rates in general because they’re involved in fewer fatal crashes than younger age groups.[3] Not only do seniors benefit from years of experience on the road, but they also drive less than other age groups, which reduces their chances of an accident.
That said, some insurance companies offer even lower rates to senior drivers. Below is a snapshot of the lowest monthly premiums available for senior Kia Stinger drivers, according to Compare.com data.
Your driving history has a big effect on your car insurance rates. If you have a speeding ticket, a DUI, or an at-fault accident, insurers will view you as a higher risk and price your policy accordingly. But you still have ways to save and find more affordable rates.
Here’s how different driving violations affect the average cost to insure a Stinger, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $203 |
| Speeding ticket | $272 |
| At-fault accident | $290 |
| DUI | $341 |
As expected, drivers with marks on their records pay substantially more than drivers with clean records. The more severe the infraction, the higher the premium will be.
Getting a speeding ticket is a red flag for insurance companies. In 2023, speed-related crashes accounted for 29% of U.S. traffic deaths.[5] That’s why even a single speeding ticket can increase car insurance rates dramatically. But some insurers put less weight on speeding tickets when pricing a policy than others.
In the following chart, we list the five cheapest insurance companies for Kia Stinger drivers with a ticket, according Compare.com data.
A single at-fault car accident increases car insurance rates because it increases the risk of a future at-fault accident by as much as 88%.[6] Insurers adjust premiums to reflect the added risk, though some companies penalize drivers less than others.
Here are the cheapest car insurance companies for Kia Stinger drivers with an at-fault accident, according to our data.
Get the best car insurance rates for your record
Drivers with DUI convictions face some of the highest insurance rates of any driving infraction. Drunk driving is one of the primary causes of car crash fatalities, and drivers with one DUI have a higher likelihood of a repeat offense.[7] But a DUI doesn’t have to be the end of affordable car insurance. Taking advantage of discounts, telematics programs, and working with insurers that cater to high-risk drivers can help you save.
Take a look at the chart below to find the cheapest insurance companies for Kia Stinger drivers with a DUI, according to data from Compare.com.
Car insurance rates reflect a mix of a car’s value, features, repair costs, theft rates, and more. Here are some of the key factors that influence Kia Stinger rates.
Car value: The 2023 Stinger’s fair market price remains higher than many standard sedans but lower than most luxury performance models. The costs range between $28,000 and $35,000, with the GT-Line costing less.[8]
Performance classification: The Stinger’s powerful engine can increase the likelihood of speeding and car accidents. Research also shows that vehicles with turbocharged engines have higher rates of non-crash fire claims.
Repair costs: With its turbocharged engine and high-end components, repairing the Stinger can cost more than average.
Theft risk: Unlike the Kia Optima, the Stinger doesn’t top the charts for most stolen vehicles.
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No matter your age, driving record, or location, there’s always a way to reduce car insurance premiums. Here are some of the easiest ways to save.
Leverage discounts. Car insurance discounts can help lower rates quickly — especially bundling discounts and telematics programs.
Maintain a clean driving record. Even with multiple tickets on your record, maintaining a clean record going forward can help keep future costs low.
Raise deductibles. If you can afford a higher out-of-pocket expense, raise your insurance deductibles to lower premiums.
Compare rates. Gather car insurance quotes from top companies near the end of your policy term to never miss a chance to save.
We’ve answered the most common questions Kia Stinger drivers ask to help make your insurance decision easier. Here’s what you need to know.
Yes. Kia Stinger drivers pay higher-than-average rates for car insurance, at $203 per month, based on our research. Stinger’s higher rates are likely due to its high value and powerful engine.
USAA offers the cheapest car insurance policies for the Kia Stinger, according to Compare.com data. State Farm, Allstate, and American Family also offer cheap rates.
Stinger drivers pay an average of $203 per month for car insurance, according to our data. Full coverage averages $276 per month, and liability-only averages $129 per month.
The Kia Soul is the cheapest model to insure, with an average monthly premium of $131, according to our data. Keep in mind that your actual rate may vary based on factors such as your model year, trim level, annual mileage, coverage limits, and unique driver profile.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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