Kia Stinger insurance costs average $121 monthly for minimum coverage and $235 for full coverage. Depending on your specific trim and model year, costs can range from $85 to $343 monthly.
Kia Stinger Insurance Cost
Updated: November 15, 2025
Key Takeaways
Kia Stinger insurance costs start at $85 monthly but can reach $343 depending on your specific trim level and model year.
Among 827 vehicle models available in the U.S. market, the Kia Stinger ranks 638th for insurance affordability, making it expensive to cover.
GEICO offers the most affordable Kia Stinger coverage at $188 monthly for full protection and $86 for minimum policies.
How Much Is Kia Stinger Insurance?
| Kia Stinger | $121 | $235 |
Kia Stinger Insurance Cost by Model Year
Your Kia Stinger's model year and available trim options directly impact insurance rates, with newer vehicles generally costing more to insure because of their higher fair market value. Monthly insurance costs for different Kia Stinger model years range from $94 to $303.
| 2023 | $118 | $231 |
| 2022 | $109 | $214 |
| 2021 | $94 | $184 |
| 2020 | $156 | $303 |
| 2019 | $132 | $257 |
| 2018 | $108 | $210 |
Kia Stinger Insurance Cost by Trim
Your Kia Stinger's trim impacts insurance costs. Our research shows monthly premiums range from $103 for the base sedan to $343 for the high-performance GTS model. Higher-end trims cost more to insure due to their advanced features and higher replacement values.
| 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 |
Kia Stinger Insurance Cost by Company
Kia Stinger insurance costs vary by provider from $137 to $297 monthly. Minimum coverage ranges from $86 to $172, while full coverage costs $188 to $425. Rates vary due to different risk assessment models.
| GEICO | $86 | $188 |
| Travelers | $109 | $202 |
| The Hartford | $114 | $194 |
| State Farm | $116 | $242 |
| Progressive | $126 | $237 |
| AAA | $129 | $268 |
| Kemper | $136 | $279 |
| Nationwide | $141 | $245 |
| Amica | $141 | $290 |
| Allstate | $149 | $288 |
| Chubb | $159 | $318 |
| Farmers | $164 | $291 |
| AIG | $169 | $425 |
| UAIC | $172 | $216 |
Kia Stinger Insurance Cost by State
Car insurance for a Kia Stinger varies dramatically by location, ranging from $44 monthly in Wyoming to $487 monthly in Louisiana.
| Alabama | $95 | $180 |
| Alaska | $78 | $164 |
| Arizona | $128 | $238 |
| Arkansas | $92 | $204 |
| California | $104 | $209 |
| Colorado | $100 | $240 |
| Connecticut | $140 | $240 |
| Delaware | $132 | $222 |
| Florida | $120 | $282 |
| Georgia | $139 | $234 |
| Hawaii | $54 | $123 |
| Idaho | $57 | $116 |
| Illinois | $101 | $190 |
| Indiana | $68 | $133 |
| Iowa | $65 | $156 |
| Kansas | $78 | $182 |
| Kentucky | $122 | $209 |
| Louisiana | $205 | $428 |
| Maine | $57 | $119 |
| Maryland | $158 | $267 |
| Massachusetts | $108 | $230 |
| Michigan | $171 | $328 |
| Minnesota | $90 | $188 |
| Mississippi | $109 | $212 |
| Missouri | $139 | $273 |
| Montana | $87 | $208 |
| Nebraska | $76 | $175 |
| Nevada | $165 | $301 |
| New Hampshire | $78 | $139 |
| New Jersey | $168 | $279 |
| New Mexico | $88 | $197 |
| New York | $120 | $215 |
| North Carolina | $80 | $157 |
| North Dakota | $68 | $150 |
| Ohio | $80 | $156 |
| Oklahoma | $98 | $219 |
| Oregon | $111 | $193 |
| Pennsylvania | $102 | $237 |
| Rhode Island | $132 | $236 |
| South Carolina | $102 | $191 |
| South Dakota | $61 | $188 |
| Tennessee | $84 | $170 |
| Texas | $125 | $255 |
| Utah | $104 | $178 |
| Vermont | $55 | $129 |
| Virginia | $104 | $166 |
| Washington | $92 | $172 |
| West Virginia | $98 | $197 |
| Wisconsin | $72 | $159 |
| Wyoming | $42 | $132 |
Kia Stinger Insurance Cost by Driver Profile
Your driving profile, especially age and driving history, dramatically impacts Kia Stinger insurance costs. Monthly premiums can reach $451 for young drivers under 25 with clean records, while adult drivers between 26-64 without violations pay as little as $178 monthly.
| Adult Drivers | $121 | $235 |
| Young Drivers | $308 | $595 |
| Senior Drivers | $161 | $298 |
| Drivers With a Speeding Ticket | $150 | $296 |
| Drivers With an Accident | $177 | $344 |
| Drivers With a DUI | $220 | $424 |
| Drivers With Bad Credit | $290 | $584 |
Is a Kia Stinger Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Kia Stinger ranks 638th out of 827, making it one of the more expensive cars to insure. Among midsize luxury sedans, the model ranks as the third most expensive compared to similar vehicles.
| Saturn S-Series | $47 | $90 |
| Dodge Stratus | $52 | $100 |
| Saab 9-5 | $53 | $103 |
| Saturn L-Series | $56 | $107 |
| Pontiac Grand Am | $59 | $113 |
| Mercury Milan | $62 | $118 |
| Mercury Sable | $64 | $122 |
| Suzuki Verona | $68 | $130 |
| Chrysler Sebring | $68 | $130 |
| Saab 9-3 | $68 | $131 |
| Mercury Montego | $71 | $137 |
| Pontiac Grand Prix | $73 | $140 |
| Pontiac G6 | $75 | $144 |
| Mitsubishi Galant | $76 | $146 |
| Chevrolet Malibu | $78 | $151 |
| Ford Fusion | $80 | $155 |
| Nissan Altima | $80 | $155 |
| Volkswagen CC | $81 | $156 |
| Nissan Maxima | $82 | $159 |
| Volkswagen Passat | $83 | $159 |
| Hyundai Azera | $84 | $162 |
| Honda Clarity | $85 | $164 |
| Dodge Magnum | $85 | $164 |
| Subaru Legacy | $85 | $165 |
| Honda Accord | $86 | $166 |
| Chrysler 200 | $86 | $166 |
| Mazda 6 | $86 | $167 |
| Dodge Avenger | $87 | $168 |
| Kia Optima | $89 | $172 |
| Toyota Camry | $90 | $175 |
| Hyundai Sonata | $96 | $186 |
| Hyundai Ioniq 6 | $96 | $187 |
| Kia K5 | $99 | $193 |
| Toyota Crown | $108 | $210 |
| Kia Stinger | $121 | $235 |
| Toyota Mirai | $140 | $273 |
| Lucid Air | $160 | $314 |
Factors That Affect Kia Car Insurance Costs
Several factors affect what you'll pay for Kia Stinger insurance coverage:
- Age (younger drivers under 25 to 30): Younger drivers generally pay much higher premiums due to inexperience and a higher risk of performance driving incidents.
- Driving record: Clean records reduce premiums; tickets, accidents or any performance / reckless driving history increase them.
- Trim choice/usage: Drivers who choose the high-performance V6 version, or who push the car hard (track use, spirited driving), tend to pay more.
- Annual mileage and driving behavior: More miles, highway / high-speed driving, or frequent performance/sport driving tend to raise insurance rates. Lifestyle factors (parking location, commute type) also matter.
Average Repair or Replacement Costs
Kia ranks fifth in repair affordability among 59 U.S. automakers with median annual costs of $612, keeping costs low for insurance in general, although Stinger repair costs tend to be a bit higher.
Vehicle Trim, Features and Accessories
The Kia Stinger comes in trims like GT-Line, GT2, and special editions (e.g., Grand Tourer, Apex). Lower trims have the turbocharged 4-cylinder engine, RWD or AWD, standard safety tech, touchscreen infotainment and cloth or standard leather interiors.
Higher trims add the V6 twin-turbo engine, Brembo brakes, higher-end audio, adaptive suspension, performance and luxury touches like premium leather, surround-view cameras, head-up display, upgraded wheels and appearance packages.
Fuel Type
All Stinger models use gasoline. The 2.5L turbo-4 and 3.3L twin-turbo V6 are both gas engines, with the V6 using more fuel due to higher performance and power output.
Location
Costs vary a lot: urban areas usually mean higher insurance premiums (theft, accidents), repair labor is more expensive in metro areas, and performance parts may be harder to find/ship in remote locations.
Areas with harsh winters or rough roads can increase wear (suspension, brakes), which raises maintenance costs.
Driver Profile
These driver traits tend to affect Kia Stinger insurance rates:
How to Lower the Cost of Kia Stinger Insurance
Below we break down the best ways to save on car insurance for your Kia Stinger:
- 1Choose the right coverage
How much coverage you need for your Kia depends on its value, how often you drive and what your budget can support. Your options range from minimum liability with a $1,000 deductible to 100/300/100 with a $500 deductible, and lenders may require gap insurance if you are financing or leasing.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Kia Stinger, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Kia Stinger owners can reduce their premiums by using discounts tied to multiple vehicles, bundled policies, clean driving records, advanced safety tech and lower annual mileage. Since many Stinger drivers own other cars, have property to bundle and keep mileage moderate, these savings are widely accessible and can noticeably lower overall rates.
- 5Consider alternative car insurance types
Kia Stinger owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Kia Stinger insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Kia Stinger Insurance Cost: Bottom Line
Insuring a Kia Stinger costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Kia Stinger Insurance Rates: FAQ
Here are answers to common questions about insuring a Kia Stinger.
What is the average cost of car insurance for a Kia Stinger?
The average cost of car insurance for a Kia Stinger is $1,446 annually for minimum coverage and $2,821 for full coverage.
What company has the cheapest car insurance for a Kia Stinger?
If you're shopping for Stinger car insurance, GEICO offers the most affordable full coverage with average monthly premiums of $188. The insurer also leads in minimum coverage affordability, charging drivers an average of $86 monthly for basic protection.
Are Kia Stingers expensive to insure?
Yes, Kia Stinger insurance costs more than most cars. Compared to the rest of the models on the U.S. market, a Kia Stinger ranks 638th out of 827. Among midsize luxury sedans, the model ranks as the third most expensive compared to similar vehicles.
What factors affect insurance costs for Kia Stingers?
Several things drive up your Kia Stinger rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or higher weather risks will cost more to insure.
How can I lower Kia Stinger insurance costs?
Shop around with multiple insurers as rates vary for Kias, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Kia Stinger Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Kia Stinger insurance costs.
Who We Based These Rates On
These Kia Stinger prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score is 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. 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.