Kia Stinger Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Kia Stinger costs more than most other cars to insure.

• Liability insurance for a Stinger tends to be about $92 monthly, while full coverage usually comes in at around $211 per month.

• The lowest auto insurance company for a Stinger is CarnegieGeneral.

Stinger Overview

With a base price of $36,090 for 2022 models, the Kia Stinger is a great mid-level car for drivers of all types. There are three different trim levels currently offered, so there's an option for every driver.

We sifted through thousands of car insurance quotes on Compare.com, and we've determined that, on average, Kia Stinger auto insurance prices run about $186 monthly. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Kia Stinger?

Based on the table above, when you compare the Kia Stinger to other vehicles, insurance rates are higher than average. On average, Stinger drivers will pay around $92 per month for liability insurance, and about $211 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other Kia models, the Stinger is more expensive, with premiums around 24% higher than the rest of the automaker's vehicle lineup. Compared to offerings from other brands, car insurance for a Stinger is similarly on the expensive side, with liability only insurance rates coming in about $9 more and $34 more for full coverage.

When compared to all vehicles, regardless of body style, make, or model, the Stinger follows a similar pattern of having above average insurance prices.

Who has the Cheapest Car Insurance for a Kia Stinger?

If you're looking for a new auto insurance policy for your Kia Stinger, you may be wondering which carrier offers the lowest rates. Even though there will never be one company that offers the most affordable premiums for everyone, Good2Go provides the cheapest average rates for liability only coverage, with rates sometimes as little as $20 monthly. With car insurance as little as $33 per month, Commonwealth Casualty is the next most affordable auto insurance carrier.

AnswerFinancial, FirstChicago, and Shelter Mutual finish off the rest of the top 5. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Kia Stinger.

Insurance companies use a multitude of variables and complex formulas to calculate premiums. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from a bunch of insurance carriers.

What Factors Affect Car Insurance Rates for a Kia Stinger?

As we mentioned above, there are lots of factors that car insurance companies take into account to choose how much they charge -- and each company weighs certain factors more than others, so there's not just one carrier that's the cheapest for every Stinger driver.

The sections below show an array of things insurance carriers use to decide rates:

Vehicle Age

The Kia Stinger has only been around for two or three model years, which means vehicle age won't come into play the same way it might for other vehicles. Normally, it costs more to insure newer cars because they're worth more, however, as time goes on and Stingers begin to depreciate, insurance costs will gradually decrease.

Next year, we'll have a better idea of the differences in rates for each model year, but for now we see that a Stinger less than one year old will be around between $92 and $93 a month to insure.

Your Age

Age plays a significant role in how much you pay for car insurance. Because the Kia Stinger is pretty new to the market, we're just starting to collect data on how age is affecting auto insurance prices. So far, based on the table above, young drivers pay more compared to drivers with more experience on the road. In this case, drivers between 18 and 24 pay $28 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Stinger.

Your Gender

Did you know men tend to pay more for insurance than women? This is because women are less likely to get into collisions and get speeding tickets, which lowers the chances of an insurance claim. When it comes to Stinger drivers specifically, women pay around $90 monthly for car insurance and men pay about $93.

Where You Live

You may think it's obvious that variables like how old you are and what vehicle you drive play a role in your auto insurance premiums, but you may not realize that where you live can be just as important. Because insurance is regulated at the state level, prices change quite a bit from state to state.

Because the Stinger is a relatively new vehicle, our data on all 50 states is somewhat limited. Even so, you can see in the table above that New York has rates that are more expensive than anywhere else.

Kia Stinger Car Insurance Discounts

Whatever which car you drive, where you live, or how old you are, it's always a smart move to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

Even though all car insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-vehicle discounts for insuring more than one of your cars with the same company
• Pay-in-full discounts for drivers who agree to pay their entire policy premium at once, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings

But these aren't the only discounts auto insurance carriers offer to their customers. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

While you don't have control over every factor insurance carriers look at to calculate rates (like some of the ones mentioned above), you can influence some of them. Below are just a few of the factors you can use to your advantage when it comes to saving money:

Your Driving Record

It's no secret that car insurance companies offer the lowest premiums to drivers with a history of responsible driving. It checks out that if you get into an accident or get tickets, auto insurance rates will get higher. But you still might be left wondering exactly how much these infractions will cost you.

Unfortunately, we don't have enough data on file for Kia Stinger drivers specifically, since it is a relatively new vehicle. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost Stinger owners when it comes to insurance.

How Much You Drive

The total distance you drive annually impacts your car insurance prices. Those who are on the roads less often are less likely to get tickets, so they'll typically end up spending less on insurance. Since the Kia Stinger is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect premiums. So far, drivers who travel 10,000+ miles per year are offered the most affordable rates.

But if you don't drive much because have a second vehicle or you work from home, it may be worth learning about pay-per-mile or usage-based auto insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Kia Stingers Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Kia Stinger is on your shortlist, it can pay off to do your homework. Car insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering carefully.

Review the table below to see how the Kia Stinger compares:

Overall, the Kia Stinger has an MSRP that's on par with the going rate for a new vehicle. The Stinger has a base price of $43,690, similar to the national average vehicle MSRP of $42,283.

Although the purchase price is right in the middle of the spectrum, car insurance prices run above average when compared to other vehicles on the market. Liability insurance for a Kia Stinger is around $39 per month more than average, while full coverage is over $50 more a month.

When it comes to usage, Kia Stinger owners drive fewer miles annually than the national average, with 11,660 miles for all vehicles every year compared to the Stinger's 9,883 a year.

Kia Stinger Car Insurance Costs by Model Year

So far, you've seen how different things have an impact on how much the average driver pays for auto insurance. But if you're thinking about buying a new vehicle and the Stinger is one you're considering, knowing what you can expect to pay can be extremely helpful as you weigh your choices.

For this reason, we've decided to break down Kia Stinger insurance premiums by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options. You'll also find some other helpful info, like cheapest insurance carrier available trims for each year the Stinger has been around.

2022 Kia Stinger Car Insurance

On average, drivers who own a 2022 Kia Stinger can expect to pay $120 to $219 per month for liability only and full coverage car insurance, respectively.

Mercury offered the cheapest policy we found, with rates sometimes as low as $55 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

2021 Kia Stinger Car Insurance

The average cost to insure a 2021 Stinger with liability only coverage is $71 monthly, while full coverage runs about $205 per month.

Hugo has rates sometimes as cheap as $36 a month for the 2021 Kia Stinger.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

2020 Kia Stinger Car Insurance

You can expect full coverage for a 2020 Kia Stinger to run around $195 monthly, while liability only coverage will average about $118 per month.

With prices as low as just $37 monthly, Fiesta offered the most affordable policy we found.

Want to know just how much you'll pay? Just enter your ZIP code below to get lots of personalized quotes for free.

2019 Kia Stinger Car Insurance

It costs around $89 a month for liability or $209 for a full coverage policy for the 2019 Stinger.

We found Good2Go offered the cheapest policy, with rates as cheap as just $220/mo per month.

While these are good estimates of what the average driver might pay to insure a 2019 Kia Stinger, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2018 Kia Stinger Car Insurance

2018 Kia Stinger drivers can expect to pay an average of $93 a month for liability or $217 for full coverage.

Looking for the lowest policy? Commonwealth Casualty offered liability only coverage for as low as $23 monthly.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

Kia Stinger Insurance FAQs

Is a Kia Stinger expensive to insure?

It costs more to insure a Kia Stinger when compared to the average car. Liability insurance runs an average of $92 per month, while full coverage will cost you around $211.

How can I get the best price on car insurance for my Kia Stinger?

There's only one way to make sure you're getting the most affordable rates -- checking prices regularly and comparing quotes from numerous carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Kia Stinger affect my insurance prices?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not true. There are multiple variables insurance carriers examine when they calculate how much you'll pay, but the color of your Stinger is not on that list.

Do I need to have insurance before I buy a Kia Stinger?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) Kia Stinger off the dealership lot. Some dealerships will offer you a car insurance policy as part of the buying process, but it's best to let your car insurance company know before you buy.

What car insurance discounts can I get for my Kia Stinger?

There are a variety of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your Stinger has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. To find out which discounts you might receive, talk with your insurance agent and ask about their list of discounts.