The cheapest full coverage insurance for a Kia Stinger costs $1,411 annually, while a 16-year-old driver may pay up to $8,306. Rates depend on the model year, driver's age, location, driving history, coverage level and insurer. This article explores Kia Stinger insurance costs and highlights the best and most affordable options.
Kia Stinger Insurance Cost
Updated: March 18, 2025
Key Takeaways
GEICO offers the most affordable minimum coverage across all Kia Stinger model years, starting at $498 annually.
For insuring a Kia Stinger, the average yearly cost is $612 for minimum coverage and $1,897 for full coverage.
MoneyGeek analyzed data from 1,494 Kia Stinger insurance quotes from Quadrant Information Services to provide accurate insights.
Kia Stinger Insurance Rates
What Is the Average Kia Stinger Car Insurance Cost?
Kia Stinger insurance costs about $158 per month or $1,897 per year for full coverage, based on a 40-year-old male driver with a clean record. The average cost of minimum coverage is $51 monthly or $612 annually.
| Minimum Coverage | $612 |
| Full Coverage | $1,897 |
Read more: Average Cost of Car Insurance
Kia Stinger Insurance Costs by Company
Kia Stinger insurance costs range from $1,487 to $3,020 per year, varying by age, model year and coverage level. The table below shows how Kia Stinger insurance rates compare to averages for all vehicles from several national and mid-size providers.
| Allstate | $2,472 | $1,807 | 37% |
| Auto-Owners | $1,577 | $1,225 | 29% |
| Farmers | $2,154 | $1,953 | 10% |
| GEICO | $1,704 | $1,330 | 28% |
| Kemper | $3,020 | $2,207 | 37% |
| Nationwide | $1,882 | $1,586 | 19% |
| Progressive | $2,375 | $1,739 | 37% |
| State Farm | $1,605 | $1,267 | 27% |
| Travelers | $2,022 | $1,518 | 33% |
| USAA | $1,487 | $1,198 | 24% |
Read more: Best Car Insurance Companies
Cost of Insuring a Kia Stinger by Model Year
The year your Kia Stinger was produced can impact your insurance rates, with older models generally costing less. For instance, a 2018 model has an annual full coverage rate of $1,808, while a 2022 model costs $1,960. Below are the average full and minimum coverage rates for each production year.
| 2022 | $616 | $1,960 |
| 2021 | $617 | $1,956 |
| 2020 | $627 | $1,923 |
| 2019 | $631 | $1,896 |
| 2018 | $628 | $1,808 |
Kia Stinger Insurance Costs by Driver Age
Kia Stinger insurance rates vary greatly based on the driver's age. For example, 40-year-olds pay about $1,909 annually for full coverage, while 16-year-olds pay $8,306. Below are the average minimum and full coverage rates for drivers of different ages.
| 16 | $2,819 | $8,306 |
| 17 | $2,303 | $6,797 |
| 18 | $2,007 | $5,966 |
| 19 | $1,422 | $4,271 |
| 20 | $1,278 | $3,881 |
| 21 | $1,018 | $3,144 |
| 22 | $929 | $2,892 |
| 23 | $862 | $2,697 |
| 24 | $817 | $2,562 |
| 25 | $728 | $2,293 |
| 26 | $706 | $2,200 |
| 27 | $690 | $2,150 |
| 28 | $679 | $2,116 |
| 29 | $669 | $2,087 |
| 30 | $647 | $2,011 |
| 35 | $631 | $1,947 |
| 40 | $624 | $1,909 |
| 45 | $619 | $1,882 |
| 50 | $604 | $1,824 |
| 55 | $588 | $1,775 |
| 60 | $588 | $1,770 |
| 65 | $625 | $1,791 |
| 70 | $678 | $1,914 |
| 75 | $752 | $2,097 |
| 80 | $850 | $2,328 |
| 85 | $919 | $2,501 |
| 90 | $968 | $2,617 |
Kia Stinger Insurance Rates Explained
Several factors affect car insurance rates based on driver profiles. However, insurers also consider vehicle-related factors. Below is a breakdown of how your car's characteristics can impact insurance costs.
Kia Stinger Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Kia Stinger
Average Full Coverage Rate
$1,897Premiums for Kia Stinger are:$601 more
This is 46% more expensive.
Value
The Kia Stinger’s MSRP is $54,065, categorizing it as a luxury car. Its high value can increase insurance costs since insurers factor in the expense of potential repairs or replacement.
Performance
The Kia Stinger's 0-to-60 time of 4.6 seconds and horsepower of 300 to 368 classify it as a high-performance vehicle, which may result in higher insurance rates due to perceived risk.
Vehicle age
Newer Kia Stingers are typically more expensive to insure than older ones. However, collector and classic vehicles can be exceptions, often carrying high insurance costs.
Safety features
Safety features like stability control, airbags and antilock brakes may qualify the Kia Stinger for insurance discounts by lowering the risk of accidents.
Vehicle size
Larger vehicles can cost more to insure due to their potential for greater property damage. At 4,176 lbs, the Kia Stinger's weight may contribute to higher insurance premiums.
Trim level
Higher trim levels with premium upgrades lead to higher MSRPs and insurance costs. For example, the Kia Stinger GT2 trim costs more to insure than the base GT Line model.
Theft rates
Vehicles with higher theft risks often face increased insurance rates. With a theft relative claims frequency of 148, the Kia Stinger may incur higher premiums.
Cheapest Kia Stinger Insurance
GEICO offers Kia Stinger's cheapest minimum coverage at $498 per year, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Kia Stinger Insurance by Coverage Level
Your coverage level greatly influences your Kia Stinger insurance rate. GEICO is the most affordable for minimum coverage, while State Farm offers the lowest full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Kia Stinger Minimum Coverage
GEICO and State Farm offer the cheapest minimum coverage for Kia Stinger at $42 per month. Other competitive options include Nationwide at $53, Travelers at $55 and Allstate at $56.
| USAA | $35 | $418 |
| GEICO | $42 | $498 |
| State Farm | $42 | $500 |
| Nationwide | $53 | $641 |
| Travelers | $55 | $659 |
| Allstate | $56 | $670 |
| Farmers | $59 | $713 |
| Progressive | $61 | $736 |
*GEICO offers non-military-affiliated Kia Stinger owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Kia Stinger Insurance Rates by Model Year
The above list might not reflect lower rates for older models. Depending on your vehicle's age, you might find more affordable options. To find the cheapest minimum coverage rates for every Kia Stinger production year, filter the table below.
Data filtered by:Results filtered by:
Select
Model Year:2018
| Allstate | $670 | $56 |
| Farmers | $708 | $59 |
| GEICO | $502 | $42 |
| Nationwide | $665 | $55 |
| Progressive | $702 | $59 |
| State Farm | $515 | $43 |
| Travelers | $667 | $56 |
| USAA | $422 | $35 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Kia Stinger Insurance
State Farm offers the cheapest full coverage for a Kia Stinger at $128 per month or $1,537 annually. Below, explore the complete list of full coverage insurance providers and rates.
| USAA | $118 | $1,411 |
| State Farm | $128 | $1,537 |
| GEICO | $134 | $1,613 |
| Nationwide | $145 | $1,736 |
| Travelers | $165 | $1,983 |
| Farmers | $167 | $1,999 |
| Progressive | $185 | $2,226 |
| Allstate | $194 | $2,333 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Kia Stinger owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Kia Stinger Insurance by Age
Younger drivers (16 to 25) and seniors (55+) typically pay higher insurance rates for a Kia Stinger. Below is a breakdown of the most affordable options by age group.
Cheapest Kia Stinger Insurance for Young Drivers
Drivers aged 16 to 25 can find the cheapest Kia Stinger insurance with State Farm. Minimum coverage costs about $1,096 annually or $91 monthly. Below is the complete list of the most affordable car insurance rates for young drivers.
| USAA | $72 | $864 |
| State Farm | $91 | $1,096 |
| GEICO | $98 | $1,174 |
| Travelers | $111 | $1,333 |
| Allstate | $129 | $1,548 |
| Nationwide | $140 | $1,675 |
| Farmers | $158 | $1,902 |
| Progressive | $173 | $2,071 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Kia Stinger Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $46 monthly or $550 annually. See the full list of affordable Kia Stinger insurers below:
| State Farm | $46 | $550 |
| USAA | $46 | $554 |
| GEICO | $49 | $591 |
| Nationwide | $63 | $751 |
| Travelers | $64 | $770 |
| Allstate | $68 | $815 |
| Progressive | $76 | $908 |
| Farmers | $80 | $963 |
Cheapest Kia Stinger Insurance After an Accident
State Farm, GEICO and Allstate offer Kia Stinger drivers the cheapest car insurance after an accident. Check out the complete list below to explore more options.
| State Farm | $52 | $628 |
| USAA | $53 | $631 |
| GEICO | $65 | $782 |
| Allstate | $76 | $915 |
| Travelers | $79 | $951 |
| Nationwide | $82 | $983 |
| Progressive | $101 | $1,216 |
| Farmers | $115 | $1,381 |
Kia Stinger Insurance Cost: Bottom Line
Compare rates from various providers to secure affordable car insurance. This article explores Kia Stinger insurance costs across demographics and highlights the most affordable providers.
Kia Stinger Insurance Rates: FAQ
Below are answers to common questions about Kia Stinger insurance costs, helping you understand how to find affordable options.
What company has the cheapest car insurance for a Kia Stinger?
GEICO offers the cheapest Kia Stinger insurance, with an annual minimum coverage rate of $498.
What is the average cost of car insurance for a Kia Stinger?
The average annual insurance cost for a Kia Stinger is $612 for minimum coverage and $1,897 for full coverage.
Kia Stinger Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 1,494 Kia Stinger insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Kia Stinger:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Kia Stinger insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Kia Stinger.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.