KIA Stinger Car Insurance Cost 2025
Getting insurance for a KIA Stinger costs an average of $805 per year. However, the exact premium you will pay depends on various factors such as your age, the specific model year of your car, your driving history, location, and the coverage options you choose. To get a more accurate estimate tailored to your specific situation, it’s best to use our quote tables below or shop around for quotes from different insurance providers.
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If you’re thinking about buying a KIA Stinger, one crucial factor to consider is the price of insurance. On average, insurance for a KIA Stinger costs $805 per year. Insurance plays a vital role in owning a car, and it’s essential to understand its costs before making a purchase.
Choosing the right car insurance is crucial to avoid unexpected and potentially high expenses later on. It’s essential to ensure you have sufficient coverage in case of an accident, as inadequate coverage could leave you facing substantial out-of-pocket costs. Additionally, if you’re found at fault in an accident, your premiums could increase significantly.
Having analyzed car insurance rates for over a decade, I’ve observed how much these costs can vary. Factors such as your age, driving record, and location can all have a significant impact on your insurance premiums.
How Much Does KIA Stinger Car Insurance Cost?
Typically, KIA Stinger drivers can find car insurance at an average rate of $805 per year. However, this rate can vary depending on factors such as the driver’s age, location, driving history, and the year of the vehicle. It’s always a good idea to compare quotes from different providers to ensure you get the best possible rate for your situation.
It’s important to note that the cost of car insurance can fluctuate significantly depending on various factors, such as your location, driving history, and the model year of your KIA Stinger. A clean driving record typically results in lower premiums, while a history of accidents or violations may increase rates.
Where you live also plays a role, as urban areas with heavier traffic tend to have higher insurance costs compared to rural areas. The type of coverage you select will further impact your premium—comprehensive coverage, for example, usually costs more than basic liability coverage.
In comparison to other KIA models, the KIA Stinger generally comes with a higher insurance rate. However, it may still be less expensive than the average insurance cost for all vehicles. To make sure you find the most competitive rate, it’s best to compare quotes from different providers.
| Vehicle | Average Monthly Premium |
| KIA Stinger | $210 |
| All KIAs | $169 |
| All Cars | $175 |
Average Insurance Cost Of KIA Stinger By Model Year
| Model Year | Average Premium |
| 2023 KIA Stinger | $1,377 |
| 2022 KIA Stinger | $1,315 |
| 2021 KIA Stinger | $1,417 |
| 2020 KIA Stinger | $983 |
| 2019 KIA Stinger | $827 |
| 2018 KIA Stinger | $1,115 |
2023 KIA Stinger Insurance Rates
The average annual insurance cost for a 2023 KIA Stinger is $1,377. However, Clearcover offers the cheapest rates, averaging $805 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $907 |
| Southern Farm Bureau | $2,151 |
| Safeco | $891 |
| Capital Insurance Group | $1,359 |
| AssuranceAmerica Economy | $1,285 |
| California Capital | $1,711 |
| Country | $1,496 |
| Clearcover | $805 |
| AssuranceAmerica Elite | $1,414 |
| Nationwide | $1,751 |
2022 KIA Stinger Insurance Rates
The average annual insurance cost for a 2022 KIA Stinger is $1,315. However, American National P offers the cheapest rates, averaging $732 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $952 |
| Dairyland Broadform | $1,606 |
| NatGen Custom 360 | $1,292 |
| Safeco | $138 |
| American National P | $732 |
| Titan | $1,835 |
| Virginia Farm Bureau | $1,074 |
| North Carolina Farm Bureau | $1,918 |
| Plymouth Rock | $1,884 |
| AssuranceAmerica Mobile Max | $1,723 |
2021 KIA Stinger Insurance Rates
The average annual insurance cost for a 2021 KIA Stinger is $1,417. However, Safeco offers the cheapest rates, averaging $208 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $1,115 |
| Farm Bureau Mutual (IA Group) | $1,743 |
| AssuranceAmerica Economy | $1,594 |
| Tennessee Farmers | $956 |
| Plymouth Rock | $1,841 |
| AssuranceAmerica Elite | $1,883 |
| Safeco | $208 |
| Oregon Mutual | $1,828 |
| Buckeye Insurance Group | $1,749 |
| Texas Farm Bureau Group | $1,252 |
Find Affordable KIA Stinger Insurance Rates
2020 KIA Stinger Insurance Rates
The average annual insurance cost for a 2020 KIA Stinger is $1,417. However, Mercury Insurance offers the cheapest rates, averaging $57 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $1,622 |
| Safeco | $86 |
| Mercury Insurance | $57 |
| American National P | $1,133 |
| GMAC Insurance Group | $1,342 |
| Tennessee Farmers | $1,120 |
| Buckeye Insurance Group | $1,243 |
| National General Value | $668 |
| New York Central Mutual Fire | $1,474 |
| Clearcover | $1,087 |
2019 KIA Stinger Insurance Rates
The average annual insurance cost for a 2019 KIA Stinger is $827. However, Safeco offers the cheapest rates, averaging $139 per year.
| Insurance Provider | Average Annual Cost |
| Union Mutual Fire Group | $873 |
| Mercury Insurance | $519 |
| Grange Mutual | $1,193 |
| Safeco | $139 |
| Hastings Mutual Insurance Co | $801 |
| National General Value | $432 |
| Kemper Auto | Infinity | $725 |
| Concord Group | $1,307 |
| Utica National Ins Group | $1,036 |
| Indiana Farmers Mutual Ins | $1,245 |
2018 KIA Stinger Insurance Rates
The average annual insurance cost for a 2018 KIA Stinger is $1,115. However, Safeco offers the cheapest rates, averaging $194 per year.
| Insurance Provider | Average Annual Cost |
| Frankenmuth Mutual | $1,393 |
| Safeco | $194 |
| American National P | $1,543 |
| Mercury Insurance | $287 |
| Tennessee Farmers | $1,107 |
| Safety Group | $1,446 |
| Ohio Mutual Ins Group | $1,165 |
| Plymouth Rock Assurance | $1,320 |
| Pekin Insurance | $1,365 |
| Virginia Farm Bureau | $1,331 |
Find Affordable KIA Stinger Insurance Rates
Is A KIA Stinger Expensive To Insure?
The cost to insure a KIA Stinger is indeed higher compared to the overall average for all vehicles. However, the exact insurance premium you’ll pay can vary significantly based on factors such as your age, the age of your car, where you live, and your driving history. Additionally, the type of coverage you choose, whether it’s full coverage or just liability, will also influence the overall cost. It’s essential to take all these factors into account when calculating your potential insurance expenses.
Cost of KIA Stinger Car Insurance By Age
You’re absolutely right! Age is a key factor in determining car insurance rates. Teenagers and young adults, especially those under 25, tend to pay higher premiums because they have less driving experience and are statistically more likely to be involved in accidents. As you get older and accumulate more driving experience, your risk level decreases, which generally results in lower premiums. This trend usually continues until around the age of 70, after which premiums can rise again due to factors like declining health or slower reflexes.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,686 | $12,799 | $14,949 |
| 18 | $8,135 | $11,862 | $13,940 |
| 19 | $7,141 | $10,530 | $12,339 |
| 20 | $6,236 | $9,219 | $10,683 |
| 21 | $5,241 | $7,659 | $8,952 |
| 22 | $5,052 | $7,504 | $8,720 |
| 23 | $4,428 | $6,581 | $7,625 |
| 24 | $4,261 | $6,269 | $7,295 |
| 25 | $3,668 | $5,328 | $6,257 |
| 30 | $2,877 | $4,163 | $4,869 |
| 35 | $2,619 | $3,951 | $4,588 |
| 40 | $2,605 | $3,723 | $4,437 |
| 45 | $2,476 | $3,653 | $4,251 |
| 55 | $2,245 | $3,362 | $3,886 |
| 65 | $2,424 | $3,523 | $4,122 |
| 75 | $3,012 | $4,424 | $5,213 |
KIA Stinger Car Insurance Rates By State
Where you live plays a significant role in determining your car insurance rates. Insurance companies factor in state regulations, climate, crime rates, and accident statistics when calculating premiums. For example, states like Michigan that require higher minimum coverage levels can lead to higher premiums. Additionally, areas prone to extreme weather events, such as hurricanes, storms, and flooding, may result in higher insurance costs due to the increased risk of vehicle damage. Furthermore, regions with higher crime rates, such as car thefts or accidents, will likely lead to higher premiums, as the probability of a claim is higher. Conversely, rural areas with fewer accidents and lower crime rates tend to have lower insurance rates.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,744 | $3,944 | $5,011 |
| Alaska | $2,208 | $3,125 | $2,999 |
| Arizona | $2,536 | $3,678 | $5,403 |
| Arkansas | $2,812 | $4,423 | $4,863 |
| California | $3,131 | $5,513 | $3,139 |
| Colorado | $2,908 | $4,020 | $5,117 |
| Connecticut | $3,675 | $5,727 | $7,280 |
| Delaware | $3,084 | $4,079 | $5,261 |
| Florida | $3,626 | $5,024 | $6,566 |
| Georgia | $2,942 | $4,423 | $4,459 |
| Hawaii | $1,167 | $1,564 | $1,161 |
| Idaho | $2,022 | $2,783 | $3,365 |
| Illinois | $2,116 | $3,225 | $3,685 |
| Indiana | $2,245 | $3,359 | $3,764 |
| Iowa | $1,712 | $2,376 | $2,800 |
| Kansas | $2,326 | $3,431 | $3,952 |
| Kentucky | $3,389 | $4,919 | $5,896 |
| Louisiana | $4,385 | $6,571 | $7,129 |
| Maine | $1,676 | $2,221 | $3,305 |
| Maryland | $2,644 | $3,899 | $4,276 |
| Massachusetts | $2,116 | $3,695 | $2,140 |
| Michigan | $5,166 | $7,812 | $12,337 |
| Minnesota | $2,141 | $2,827 | $3,999 |
| Mississippi | $2,535 | $3,674 | $3,712 |
| Missouri | $2,421 | $3,422 | $4,540 |
| Montana | $2,437 | $3,415 | $3,969 |
| Nebraska | $2,035 | $3,105 | $3,321 |
| Nevada | $3,450 | $5,102 | $5,368 |
| New Hampshire | $2,354 | $3,752 | $4,742 |
| New Jersey | $2,586 | $4,103 | $5,369 |
| New Mexico | $2,713 | $3,926 | $4,138 |
| New York | $2,490 | $3,159 | $5,228 |
| North Carolina | $1,549 | $2,612 | $1,906 |
| North Dakota | $2,114 | $3,236 | $3,731 |
| Ohio | $1,842 | $2,854 | $2,919 |
| Oklahoma | $2,994 | $4,293 | $4,785 |
| Oregon | $2,700 | $3,663 | $4,382 |
| Pennsylvania | $2,265 | $3,359 | $3,969 |
| Rhode Island | $3,860 | $5,657 | $6,316 |
| South Carolina | $2,622 | $3,635 | $4,978 |
| South Dakota | $2,325 | $3,393 | $3,824 |
| Tennessee | $2,749 | $4,069 | $5,347 |
| Texas | $2,746 | $3,946 | $4,970 |
| Utah | $2,319 | $3,313 | $4,480 |
| Vermont | $1,775 | $2,830 | $2,964 |
| Virginia | $1,685 | $2,654 | $2,612 |
| Washington | $2,268 | $3,023 | $3,626 |
| West Virginia | $2,289 | $3,283 | $4,089 |
| Wisconsin | $2,229 | $3,556 | $3,982 |
| Wyoming | $2,105 | $2,917 | $3,122 |
Find Affordable KIA Stinger Insurance Rates
Cheapest Car Insurance Companies For A KIA Stinger
If you’re looking to purchase a new car insurance policy for your KIA Stinger, Good2Go offers an average premium of $21 per month, making them one of the most affordable providers for this vehicle. However, keep in mind that rates can vary depending on your driver profile, so it’s important to shop around and compare quotes to find the best deal for your specific situation.
| Company | Average Monthly Rate |
| Commonwealth Casualty | $32 |
| Shelter Mutual | $48 |
| AnswerFinancial | $35 |
| Good2Go | $21 |
| FirstChicago | $41 |
Common KIA Stinger Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider offers its own discounts, here are some common ones you can check your eligibility for:
- Multi-policy: Bundle your home and auto insurance policies with one provider for a potential discount.
- Pay annually: Pay your premium in full for the year instead of spreading out payments monthly to receive a discount.
- Defensive driving: Complete a defensive driving course from a certified institution to become eligible for discounted prices.
Additionally, there may be other discounts available. Speak to your insurance agent to discover which ones you qualify for.
Ways To Save On KIA Stinger Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your KIA Stinger insurance costs down. Traffic violations, like speeding tickets or being involved in accidents, can raise your premiums. For example, KIA Stinger drivers with a ticket on their record can expect to pay $55 per month, while those with multiple accidents will pay an average of $120 per month. By avoiding these incidents, you can keep your insurance costs low.
Additionally, drivers who have lower annual mileage typically pay less for car insurance, as they have fewer chances of getting into accidents, making them a lower risk to insure. KIA Stinger drivers who drive between 5,001-7,500 miles per year will pay around $88 per month for car insurance, while those who drive over 10,000 miles per year will pay about $83 per month.
Compare KIA Stinger To Other KIA Models
Looking for other Kia model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that the figures provided in this guide may differ from your personal insurance costs, as various factors like your age, location, driving history, and the model of your car can influence your premiums.
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FAQs
Do You Need Insurance Before You Can Purchase A KIA Stinger?
Yes, before you can drive your KIA Stinger off the dealership lot, you’ll need to provide proof of insurance. The best approach is to secure a policy in advance and then notify your insurance company that you’re about to purchase the car. This way, your coverage will be in place as soon as you take ownership of the vehicle, and you won’t need to rely on dealership insurance.
How Can You Get The Cheapest Insurance For Your KIA Stinger?
The most effective way to find the cheapest rates for your KIA Stinger is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia makes this process easy by allowing you to compare quotes from various providers directly on our website. This way, you can find the best deal tailored to your needs and driving profile.
