Your Kia Stinger’s model year impacts insurance costs, with 2023 models averaging about $231 monthly for full coverage compared to around $184 for 2021 models. Newer vehicles cost more because they’re worth more at fair market value.
Kia Stinger Insurance Cost
Updated: January 19, 2026
Key Takeaways
GEICO offers the most affordable Kia Stinger insurance rates on average, though full coverage costs vary widely by model year and insurer at around $180 monthly. Read more.
Among sedans, the Stinger ranks 149th out of 199 for insurance affordability, placing it in the expensive tier. However, sedans usually cost less to insure than other vehicle types due to better safety ratings and lower repair costs. Read more.
For the most accurate rates, check costs specific to your Stinger's model year, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific Stinger model years depending on the age of the drivers.
How Much Is Kia Stinger Insurance?
Looking for another Kia model? Read more about the cost of Kia car insurance models.
Insurance rates depend on model year and insurer. Kia Stinger minimum coverage costs span $86 monthly with GEICO to $172 with UAIC, while full coverage goes from $188 monthly with GEICO to $425 with AIG.
Rate variations (more than $86 for minimum coverage and $237 for full coverage) highlight why comparing insurers matters for Stinger owners. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $129 | $268 |
| AIG | $169 | $425 |
| Allstate | $149 | $288 |
| Amica | $141 | $290 |
| Chubb | $159 | $318 |
| Farmers | $164 | $291 |
| Geico | $86 | $188 |
| Kemper | $136 | $279 |
| Nationwide | $141 | $245 |
| Progressive | $126 | $237 |
| State Farm | $116 | $242 |
| The Hartford | $114 | $194 |
| Travelers | $109 | $202 |
| UAIC | $172 | $216 |
Is Kia Stinger Expensive to Insure?
MoneyGeek's analysis of 199 sedans shows the Kia Stinger ranking 149th for insurance affordability, meaning 148 models cost less to insure. It's positioned just a few dollars per month pricier than a Cadillac CT5 and slightly cheaper than a Cadillac CT4. This middle-tier placement among sedans provides important context for understanding your potential insurance costs.
While that's middle of the pack for sedans, these vehicles are generally expensive to insure. The Stinger's overall ranking of 638th out of 827 total cars puts it among the pricier models to cover. For comparison, the Saturn S-Series claims the most affordable sedan spot, while the Cadillac CTS-V commands the highest premiums in this category.
| Infiniti Q70 | $173 | 146 |
| Jaguar XE | $173 | 147 |
| Cadillac CT5 | $175 | 148 |
| Kia Stinger | $178 | 149 |
| Cadillac CT4 | $180 | 150 |
| Jaguar XF | $184 | 151 |
| Mercedes EQE | $184 | 152 |
Your Kia Stinger insurance costs depend on:
- Average repair or replacement costs: Repair and replacement expenses directly impact your premiums, with the Stinger's luxury features and performance components potentially driving up maintenance costs compared to standard vehicles.
- Vehicle trim, features and accessories: Higher-performance trims cost more to insure due to their turbocharged engines producing 255 to 368 horsepower. The Stinger's powerful performance capabilities increase premiums because of higher repair costs and elevated risk factors.
- Driver profile: Most Stinger owners fall between 30 to 45 years old with a median age around 38 and their higher income levels may help get better rates. However, the vehicle's performance reputation attracts risk-taking behaviors that raise insurer concerns. Read more about the costs of Kia Stingers for young drivers.
Kia Stinger Insurance Cost by State
Car insurance for a Kia Stinger costs anywhere from $44 per month in Wyoming to $225 in Louisiana for minimum coverage. Your state's risk characteristics and insurance regulations drive these differences, not the vehicle itself.
| Alabama | $104 | $197 |
| Alaska | $88 | $186 |
| Arizona | $152 | $283 |
| Arkansas | $101 | $225 |
| California | $111 | $225 |
| Colorado | $120 | $289 |
| Connecticut | $159 | $275 |
| Delaware | $163 | $274 |
| Florida | $153 | $358 |
| Georgia | $167 | $278 |
| Hawaii | $62 | $141 |
| Idaho | $67 | $135 |
| Illinois | $111 | $209 |
| Indiana | $76 | $149 |
| Iowa | $72 | $174 |
| Kansas | $89 | $208 |
| Kentucky | $147 | $251 |
| Louisiana | $225 | $487 |
| Maine | $63 | $129 |
| Maryland | $177 | $299 |
| Massachusetts | $120 | $254 |
| Michigan | $193 | $370 |
| Minnesota | $98 | $206 |
| Mississippi | $109 | $216 |
| Missouri | $142 | $287 |
| Montana | $101 | $237 |
| Nebraska | $83 | $191 |
| Nevada | $202 | $368 |
| New Hampshire | $83 | $147 |
| New Jersey | $185 | $305 |
| New Mexico | $101 | $226 |
| New York | $143 | $256 |
| North Carolina | $95 | $187 |
| North Dakota | $72 | $160 |
| Ohio | $93 | $180 |
| Oklahoma | $110 | $245 |
| Oregon | $140 | $244 |
| Pennsylvania | $104 | $247 |
| Rhode Island | $139 | $250 |
| South Carolina | $121 | $227 |
| South Dakota | $69 | $211 |
| Tennessee | $96 | $194 |
| Texas | $152 | $312 |
| Utah | $127 | $216 |
| Vermont | $55 | $131 |
| Virginia | $109 | $177 |
| Washington | $108 | $202 |
| West Virginia | $105 | $214 |
| Wisconsin | $82 | $182 |
| Wyoming | $44 | $140 |
Kia Stinger Costs by Model Year and Insurance Company
Model year plays an important role in determining your Kia Stinger insurance costs, along with driver age on your policy. A 35- to 55-year-old driver pays around $230 monthly for full coverage on a 2018 Kia Stinger compared to $255 for a 2023 model, showing how newer vehicles command higher premiums. Teen and young adult drivers pay much higher rates across all model years due to their inexperience.
Comparing quotes from multiple insurers is essential for finding affordable Kia Stinger coverage. The Hartford consistently offers the lowest rates across all model years and could save you hundreds monthly versus average costs.
Recent model years:
Older models (2018 to 2020):
Cost of Car Insurance for 2023 Kia Stinger
| Geico | $93 | $203 |
| National General | $97 | $198 |
| The Hartford | $107 | $183 |
| Travelers | $108 | $201 |
| State Farm | $109 | $229 |
| Progressive | $113 | $212 |
| Kemper | $125 | $256 |
| Nationwide | $127 | $220 |
| AAA | $130 | $270 |
| Allstate | $148 | $286 |
| Amica | $149 | $305 |
| Farmers | $164 | $291 |
| UAIC | $164 | $207 |
| Chubb | $165 | $330 |
| AIG | $168 | $427 |
Cost of Car Insurance for 2022 Kia Stinger
| Geico | $86 | $189 |
| National General | $90 | $184 |
| The Hartford | $99 | $170 |
| Travelers | $100 | $186 |
| State Farm | $101 | $212 |
| Progressive | $105 | $197 |
| Kemper | $116 | $237 |
| Nationwide | $117 | $204 |
| AAA | $120 | $250 |
| Allstate | $137 | $265 |
| Amica | $138 | $283 |
| Farmers | $152 | $270 |
| UAIC | $152 | $192 |
| Chubb | $153 | $306 |
| AIG | $156 | $396 |
Cost of Car Insurance for 2021 Kia Stinger
| Geico | $74 | $162 |
| National General | $77 | $158 |
| The Hartford | $85 | $146 |
| Travelers | $86 | $160 |
| State Farm | $87 | $182 |
| Progressive | $90 | $169 |
| Kemper | $99 | $204 |
| Nationwide | $101 | $175 |
| AAA | $103 | $215 |
| Allstate | $118 | $228 |
| Amica | $118 | $243 |
| Farmers | $130 | $232 |
| UAIC | $131 | $165 |
| Chubb | $131 | $263 |
| AIG | $134 | $340 |
Cost of Car Insurance for 2020 Kia Stinger
| Geico | $106 | $230 |
| National General | $114 | $233 |
| Travelers | $141 | $259 |
| The Hartford | $149 | $254 |
| State Farm | $152 | $317 |
| AAA | $165 | $341 |
| Progressive | $169 | $318 |
| Amica | $176 | $361 |
| Kemper | $180 | $370 |
| Nationwide | $189 | $328 |
| Allstate | $191 | $369 |
| Chubb | $200 | $397 |
| Farmers | $209 | $372 |
| AIG | $215 | $540 |
| UAIC | $225 | $282 |
Cost of Car Insurance for 2019 Kia Stinger
| Geico | $90 | $195 |
| National General | $96 | $198 |
| Travelers | $119 | $219 |
| The Hartford | $127 | $216 |
| State Farm | $129 | $269 |
| AAA | $140 | $290 |
| Progressive | $144 | $270 |
| Amica | $149 | $306 |
| Kemper | $153 | $314 |
| Nationwide | $161 | $279 |
| Allstate | $162 | $313 |
| Chubb | $170 | $337 |
| Farmers | $177 | $315 |
| AIG | $183 | $458 |
| UAIC | $191 | $239 |
Cost of Car Insurance for 2018 Kia Stinger
| Geico | $73 | $160 |
| National General | $79 | $162 |
| Travelers | $98 | $180 |
| The Hartford | $104 | $177 |
| State Farm | $106 | $221 |
| AAA | $115 | $237 |
| Progressive | $118 | $221 |
| Amica | $122 | $251 |
| Kemper | $125 | $258 |
| Nationwide | $132 | $228 |
| Allstate | $133 | $257 |
| Chubb | $139 | $276 |
| Farmers | $145 | $258 |
| AIG | $150 | $375 |
| UAIC | $157 | $196 |
Kia Stinger Insurance Cost by Trim
Insurance costs for your Kia Stinger vary by trim, ranging from $103 monthly for minimum coverage on basic Sedan 4D models to $343 for full coverage on high-performance GTS Sedan 4D variants. Performance features and market value determine where each trim falls in this cost spectrum.
| Sedan 4d | $103 | $201 |
| Gt-Line Sedan 4d | $107 | $209 |
| Premium Sedan 4d | $110 | $214 |
| Gt Sedan 4d | $117 | $228 |
| Gt1 Sedan 4d | $121 | $237 |
| Gt2 Sedan 4d | $131 | $256 |
| Gts Sedan 4d | $176 | $343 |
How to Lower the Cost of Kia Stinger Insurance
We've compiled proven strategies that'll help you find better rates on your Kia Stinger insurance:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Kia Stinger. If you own your vehicle, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for performance sedans. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates. Understanding typical costs for your Stinger helps you identify genuinely affordable options versus overpriced policies.
- 3Look for More than Just Low Rates
Selecting reliable car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service, especially important for performance vehicle owners in areas like Silicon Valley where repair costs run high.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Kia Stinger owners often qualify for safety features discounts, good driver rewards, bundling savings and anti-theft device reductions. Performance sedan drivers in business districts like Wall Street frequently benefit from multi-vehicle discounts and professional association savings that can reduce premiums.
- 5Consider Alternative Car Insurance Types
Kia Stinger owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. These telematics options work particularly well for drivers in metro areas who don't commute daily or maintain excellent driving records with their performance vehicles.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Kia Stinger insurance. Market conditions change frequently, and performance vehicle rates fluctuate based on repair costs and theft statistics in your area.
Kia Stinger Insurance Cost: Bottom Line
Kia Stinger insurance costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get better pricing.
Kia Stinger Insurance Rates: FAQ
What is the average cost of car insurance for a Kia Stinger?
Kia Stinger insurance costs $1,446 annually for state minimum coverage and $2,821 for full coverage. These rates are below the national average, making it relatively affordable to insure.
What company has the cheapest car insurance for a Kia Stinger?
GEICO provides the most affordable auto insurance for Kia Stinger drivers at $1,034 annually for minimum coverage. Those seeking full coverage will find GEICO offers the best rates at $2,254 per year.
Are Kia Stingers expensive to insure?
No, Kia Stinger insurance is not expensive compared to most vehicles. Among sedans specifically, it places 149th out of 199 models for affordability, though it ranks 638th out of 827 total vehicles we track.
What factors affect insurance costs for Kia Stingers?
Multiple factors affect your Kia Stinger insurance rates. High-performance engine options increase risk for insurers, while specialized parts make repairs more expensive than average vehicles. Your personal driving record, credit score and chosen coverage levels also impact your premium costs.
How can I lower Kia Stinger insurance costs?
Compare quotes from several insurers since Kia Stinger pricing differs between companies and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to get better rates.
How We Determined Kia Stinger Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Kia Stinger insurance costs.
Who We Based These Rates On
These Kia Stinger rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.