Best Car Insurance for a Kia Stinger (2024)

If you just bought a Kia Stinger, you might be interested in its speed capabilities or its luxury features. In either case, finding a good policy for Kia Stinger insurance is essential.

Understanding different car insurance policies can be confusing, especially when you have to work through your state’s insurance requirements. We’ll walk you through the average costs of Kia Stinger auto insurance, including the factors that combine to create the quotes your prospective companies offer. We’ll also point out some ways to pay less for your policy and, finally, we’ll tackle the complicated relationship between age and insurance rates.

How much does car insurance cost for a Kia Stinger?

The average Kia Stinger Insurance cost is $132 per month and $1,588 per year. The most expensive policies reach up to $484 per month and $5,804 a year, and they’re mostly for new drivers. The cheapest rates cost as little as $53 per month and $636, but they are for policies that only include liability insurance.

This table displays the average rates of Kia Stinger insurance, taking into account some of the key factors behind auto insurance quotes: 

Remember that these rates are averages. For example, if you are eligible for many discounts, your rates could be lower than $78 per month. Similarly, if you have high deductibles but you have a history of getting into accidents, you can expect to pay somewhere between $114 and $281 per month.

Factors That Affect Kia Stinger Insurance Rates

How much does it cost to insure a Kia Stinger? The answer varies based on your age and driving experience. Older drivers have logged more time behind the wheel and are less likely to be at fault in accidents. Younger drivers don’t tend to be as confident, and they may take more unnecessary risks. To account for these different risk levels, insurance rates are normally higher for teenage drivers.

Your insurance company also considers your car’s age. Because of how new Kia Stingers are, they have many electrical components that are expensive to repair. By charging higher monthly rates, your insurance company protects itself in case you file a claim after an accident.

The most dangerous places to drive are major cities, where streets tend to be narrow and people are usually in a hurry. If you spend most of your time on the road in one of these urban hubs, you’re likely to see an increase in your insurance quotes:

• Baltimore, MD
• Oklahoma City, OK
• Dallas, TX
• New Orleans, Louisiana
• San Bernadino, CA

If country roads are more your style and your region doesn’t have many accidents, your insurance quotes should be lower.

Potential Discounts

When you’re filling out your application for Kia Stinger insurance, provide as much information as possible to see whether companies will offer you discounts. If you’re in high school or college, you may receive a discount for student drivers if your GPA is at least 3.0. If your driving record is free of points and you don’t have any tickets, you may receive lower rates for your safe driving. Finally, if you average less than 25 miles on the road every day (or around 9,125 miles per year), you may qualify for a low mileage discount.

The Importance of Quote Comparisons

Even if you’re happy with the first quote you receive, you should always compare different rates for Kia Stinger auto insurance. Some companies specialize in discounts for veterans or students, while others offer more extensive customer service. Looking at different quotes and reading online reviews of your choices are the best ways to take advantage of these special opportunities.

Kia Stinger Insurance Premiums by Age

Kia Stinger insurance costs more the younger you are, but the difference is most dramatic if you’re in your teens or twenties.

As this table shows, the cost of insurance per year is over $4,300 more for a teenage driver than for one who is over 60. 

Why does auto insurance cost more for young drivers? Most insurance companies cite the greater statistical probability of teenagers and people in their twenties driving unsafely. Because young drivers have had less time on the road, they’re not always prepared to handle unexpected obstacles:

• Snow
• Ice
• Animals on the road
• Traffic changes
• Construction

When people are uncomfortable with these issues, they are more likely to panic and cause accidents.

Still, if you’re under 30 and you want to save money on your Kia Stinger car insurance costs, you can prioritize safe driving. Your rates are likely to go down soon if you don’t get in an accident or get pulled over for speeding. You can also look for student discounts.

How To Invest in a High-Quality Kia Stinger Insurance Policy

Kia Stinger insurance rates vary based on your age, driving experience, location, and eligibility for discounts. After familiarizing yourself with these factors, you’re equipped to compare different quotes and choose the insurance policy that best fits your budget.