Kia Stinger Insurance Cost

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.

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.

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.

Your Kia Stinger insurance costs depend on:

• Average repair costs. No specific repair cost figure is available in the source. The Stinger's luxury features and performance components put repair costs above standard vehicles, which pushes premiums up on both collision and comprehensive coverage.
• Trim, features and accessories. The Stinger's turbocharged engines produce 255 to 368 horsepower depending on trim. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
• Driver profile. Stinger owners tend to fall between ages 30 and 45, with a median around 38, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle. Read more about the costs of Kia Stingers for young drivers.

Wyoming drivers pay $44 a month for minimum coverage on a Kia Stinger. Louisiana drivers pay $225. That gap comes from state-level differences in claims frequency, litigation rates and insurance regulations, not the vehicle.

A 35- to 55-year-old driver pays $230 a month for full coverage on a 2018 Kia Stinger and $255 on a 2023 model. Teen and young adult drivers pay more across all model years. The Hartford has the lowest rates across all Stinger model years.

Recent model years:

• 2023 Kia Stinger Insurance Rates
• 2022 Kia Stinger Insurance Rates
• 2021 Kia Stinger Insurance Rates

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.

These steps cut Kia Stinger insurance costs without trading away the coverage you need.

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.

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.

Driver profile. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually. Data are from Quadrant Information Services.

Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.