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Kia Stinger Car Insurance: Cost, Coverage and Quote Guide
Reviewed by the AtozInsuranceusa editorial team.
Kia Stinger car insurance currently averages about $203 per month across coverage levels in Compare.com data updated September 2, 2026. The same dataset shows an average of about $129 per month for liability coverage and $276 per month for full coverage. These figures provide comparison benchmarks, not guaranteed prices. Your actual quote can differ based on your age, ZIP code, driving history, model year, coverage, deductible, mileage, insurer, and other factors permitted by state law.
There is another important fact for Stinger shoppers. Kia ended Stinger production after the 2023 model year. Kia America introduced the 2023 Tribute Edition as the model that closed the Stinger’s six year production run. This means drivers shopping for a Stinger in 2026 will usually insure a used vehicle rather than a newly produced model.
The final 2023 lineup included the GT Line with a 300 horsepower 2.5 liter turbocharged four cylinder engine and the GT2 with a 368 horsepower 3.3 liter twin turbo V6. Vehicle value, performance, repair costs, claims experience, driver details, and chosen coverage can all affect insurance pricing.
How Much Does Kia Stinger Car Insurance Cost?
Current Compare.com data shows these average Kia Stinger insurance costs:
Coverage Type | Average Monthly Cost | Estimated Annual Cost |
Liability coverage | $129 | $1,548 |
Full coverage | $276 | $3,312 |
Overall average across coverage levels | $203 | $2,436 |
The annual figures above simply multiply the reported monthly averages by 12 for easier budgeting. They do not represent guaranteed annual premiums.
Compare.com states that its current rates combine recent customer quotes with data developed with Quadrant Information Services. The figures were based on data from the previous 10 days as of September 2, 2026. Actual premiums depend on the individual driver and policy.
A personal quote gives you a better estimate than a national average because insurers price each driver differently.
Kia Stinger Insurance Cost by Model Year
The Stinger entered the U.S. market as a 2019 model, although some insurance databases also report 2018 vehicles. Compare.com currently shows the following average monthly premiums by model year.
Kia Stinger Model Year | Average Monthly Premium |
2023 | $244 |
2022 | $244 |
2021 | $236 |
2020 | $225 |
2019 | $221 |
2018 | $213 |
These figures represent Compare.com’s model year averages across its dataset. They should not be treated as full coverage quotes for every owner.
The pattern shows that newer Stingers tend to cost more in this dataset. However, an older model does not automatically produce a cheaper quote.
Your insurer may also consider the trim, vehicle condition, garaging location, annual mileage, repair costs, and your personal driving profile.
Is the Kia Stinger Expensive to Insure?
The Kia Stinger can cost more to insure than an average vehicle.
Compare.com’s September 2026 data places the Stinger at about $203 per month across coverage levels compared with about $166 for all vehicles in its dataset. Full coverage averaged $276 for the Stinger compared with $216 across all vehicles.
Vehicle Group | Liability Average | Full Coverage Average | Overall Average |
Kia Stinger | $129 | $276 | $203 |
All vehicles | $116 | $216 | $166 |
This does not mean every Stinger owner will pay more than someone who drives another car.
A careful driver in a lower cost area may receive a better Stinger rate than a driver with accidents or violations who owns a less powerful vehicle.
Why Can Kia Stinger Insurance Cost More?
Insurance companies do not price the Stinger based on one factor.
The National Association of Insurance Commissioners says insurers may consider factors such as location, driver age, driving experience, driving record, claims history, vehicle type, vehicle use, annual mileage, selected coverage, and deductibles. State rules control which factors a company may use.
Several vehicle characteristics can also matter.
The Stinger Is a Performance Car
The final 2023 Stinger offered two engines.
2023 Stinger Trim | Engine | Horsepower |
GT Line | 2.5 liter turbo four cylinder | 300 hp |
GT2 | 3.3 liter twin turbo V6 | 368 hp |
Kia also offered both rear wheel drive and all wheel drive configurations.
An insurer may consider vehicle performance together with claims history, repair costs, vehicle value, and driver risk.
GT2 Had a Higher Original Vehicle Price
Kia listed the 2023 GT Line rear wheel drive at $36,690 and the GT2 rear wheel drive at $51,890 before applicable destination costs and options in its pricing information. All wheel drive versions carried higher prices.
Original price does not determine your current insurance rate by itself. However, vehicle value and repair exposure can affect collision and comprehensive coverage pricing.
Repair Costs Can Matter
The NAIC identifies vehicle type as a rating factor. Insurers also estimate the expected cost and likelihood of future claims when setting premiums.
Performance components, sensors, lighting, wheels, body panels, and other parts can influence the final cost of a covered repair.
Does a Kia Stinger GT2 Cost More to Insure Than a GT Line?
It can, but there is no fixed GT2 insurance surcharge that applies to every driver.
The final GT2 used a 368 horsepower V6 and had a much higher original price than the GT Line. Those differences can influence the vehicle portion of an insurer’s rating calculation.
However, your insurer still considers the complete risk profile.
For a useful comparison, request quotes for the exact vehicle identification number for each Stinger you are considering. Keep the driver, address, liability limits, deductibles, and optional coverage the same.
That gives you a cleaner GT Line versus GT2 comparison.
How Does Driver Age Affect Kia Stinger Insurance?
Younger drivers can pay substantially more to insure a Stinger.
Compare.com’s current data reports these average monthly premiums:
Driver Group | Average Monthly Premium |
Teens | $390 |
Adults | $203 |
Seniors | $175 |
These figures come from Compare.com’s current Stinger dataset and do not predict the exact premium for a specific driver.
Driving experience matters because insurers use age and experience as rating factors where state rules permit them.
A young Stinger driver should compare several insurers and ask about available good student, driver education, household, and safe driving discounts.
How Does Your Driving Record Affect Stinger Insurance?
A ticket, accident, or DUI can increase insurance costs.
Compare.com reports these current averages for Stinger drivers:
Driving Record | Average Monthly Premium |
Clean record | $203 |
Speeding ticket | $272 |
At fault accident | $290 |
DUI | $341 |
Actual increases vary by state, insurer, violation, driver history, and time since the event.
The table illustrates why two owners with identical Stingers may receive sharply different quotes.
What Coverage Should You Consider for a Kia Stinger?
The right coverage depends on your state requirements, vehicle value, finances, loan status, and risk tolerance.
Liability Coverage
Liability insurance helps pay for covered injuries or property damage you legally cause to other people.
Bodily injury liability addresses qualifying injuries. Property damage liability can pay for qualifying damage you cause to another person’s vehicle or property.
Most states require liability insurance or another form of financial responsibility. Requirements and minimum limits vary by state.
Collision Coverage
Collision insurance can pay for covered damage to your Stinger after a collision with another vehicle or object. It can also apply after certain rollover losses.
A deductible usually applies.
The NAIC explains that a higher deductible generally reduces the premium, but you need to be able to pay that amount after a claim.
Comprehensive Coverage
Comprehensive coverage can protect your Stinger against qualifying losses that do not result from a collision.
Examples can include:
- Theft
- Fire
- Hail
- Flood
- Windstorm
- Vandalism
- Falling objects
- Certain animal impacts
Coverage depends on the policy, deductible, limits, and exclusions.
Uninsured and Underinsured Motorist Coverage
Uninsured motorist coverage may protect you if an uninsured driver causes a qualifying loss.
Underinsured motorist coverage may help when the responsible driver does not carry enough insurance.
The NAIC reported that about 15.4 percent of motorists were uninsured in 2023, or roughly one in seven drivers. State requirements vary.
Medical Payments or Personal Injury Protection
Depending on your state, medical payments coverage or personal injury protection may help cover qualifying medical costs following an accident.
Personal injury protection requirements and benefits vary by state.
Do You Need Full Coverage on a Financed Kia Stinger?
A lender will generally require physical damage coverage while you finance a vehicle.
The NAIC states that drivers with auto loans need collision and comprehensive coverage when required by the lender.
Check your finance agreement for:
- Required collision coverage
- Required comprehensive coverage
- Maximum permitted deductibles
- Lienholder requirements
- Rules for maintaining continuous coverage
Read our guide to full coverage requirements on a financed car before reducing coverage on a financed Stinger.
Should You Keep Full Coverage on a Used Kia Stinger?
Since Kia stopped producing the Stinger after 2023, every Stinger will increasingly become a used vehicle.
Whether you should keep collision and comprehensive coverage depends on the vehicle’s current value, your premium, deductible, and your ability to replace the car after a loss.
Consider this example.
Suppose your Stinger has a current market value of $25,000. If replacing a totaled vehicle without an insurance payment would create a major financial burden, physical damage coverage may still provide meaningful protection.
An older vehicle alone is not a reason to remove coverage.
Our guide to full coverage on a used car explains the factors to review before making that decision.
Should a Used Kia Stinger Owner Consider Gap Coverage?
Gap protection can matter if you finance a used Stinger and owe more than the vehicle’s covered value.
Standard auto insurance generally pays based on the covered value of the vehicle, subject to policy terms. It does not automatically pay the entire remaining loan balance.
Gap coverage may address part or all of that difference according to the gap contract.
Whether it makes sense depends on your down payment, loan amount, loan term, current vehicle value, and existing coverage.
See our guide to gap insurance on a used car for more information.
Does the Kia Stinger Have Strong Safety Ratings?
The 2023 Kia Stinger earned an IIHS Top Safety Pick+ designation.
IIHS gave the vehicle Good ratings for several crashworthiness tests. It also reported a Superior rating for the standard vehicle to vehicle front crash prevention system and an Advanced rating for daytime pedestrian front crash prevention.
Kia also listed driver assistance features such as blind spot collision avoidance assist and driver attention warning for the final model year.
Strong safety performance can help reduce certain risks, but a safety award does not guarantee a lower insurance premium.
Ask each insurer whether your Stinger qualifies for any safety equipment discount.
Can Aftermarket Modifications Affect Stinger Insurance?
They can affect how the insurer evaluates your vehicle or pays for covered damage.
Stinger owners sometimes change wheels, exhaust systems, suspension components, electronics, body parts, or performance equipment.
Before modifying your vehicle, ask your insurer:
- Whether you must report the modification
- Whether standard vehicle coverage protects the added equipment
- Whether you need optional custom equipment coverage
- How the insurer values aftermarket parts after a covered loss
- Whether a performance modification changes eligibility or premium
Do not assume that the full cost of an aftermarket upgrade is automatically included in a standard settlement.
How Can You Lower Kia Stinger Car Insurance Costs?
No discount or strategy guarantees a lower premium. The following steps can make your comparison more effective.
Compare Several Insurance Companies
Different insurers can quote different prices for the same driver and Stinger.
Compare at least several options with the same limits and deductibles.
Compare.com’s current Stinger data shows wide differences among insurers, which supports shopping across companies rather than relying on one quote.
Keep Your Driving Record Clean
Driving history can have a major effect on premiums.
Avoiding tickets and preventable accidents may help protect your insurance options over time.
Ask About Discounts
The NAIC lists possible discounts for:
- Insuring more than one vehicle
- Combining home and auto insurance
- Anti theft devices
- Certain safety equipment
- Defensive driving courses
- Other qualifying programs
Discount availability varies by insurer and state.
Compare Deductibles
A higher collision or comprehensive deductible can lower your premium.
Do not choose a deductible only because it produces a cheaper quote.
Make sure you could pay it after an accident, theft, or other covered loss.
Report Your Mileage Accurately
Annual mileage and vehicle use are common insurance rating factors.
If you use your Stinger only on weekends or drive relatively few miles, ask whether the insurer offers a low mileage or usage based option.
Review Your Policy Each Renewal
Verify your:
- Address
- Drivers
- Annual mileage
- Vehicle identification number
- Coverage limits
- Deductibles
- Discounts
- Loan information
Accurate policy information helps prevent pricing and claim problems.
How to Compare Kia Stinger Insurance Quotes
A fair comparison uses the same coverage for every quote.
Quote Detail | What to Keep Consistent |
Liability limits | Use the same limits |
Collision coverage | Include or exclude it consistently |
Collision deductible | Use the same amount |
Comprehensive coverage | Include or exclude it consistently |
Comprehensive deductible | Use the same amount |
Uninsured motorist coverage | Match the limits |
Drivers | List the same drivers |
Vehicle | Use the exact model year and trim |
Mileage | Report the same accurate estimate |
Vehicle use | Use the same commuting or pleasure use |
Optional coverage | Compare the same options |
A quote that costs less because it provides less coverage is not a true price comparison.
Common Kia Stinger Insurance Mistakes
Using Old Insurance Cost Figures
Insurance rates change.
The old version of this page used averages based largely on much older vehicle and insurance data. Current estimates should use recent datasets and clearly explain that individual quotes vary.
Assuming Every Stinger Costs the Same to Insure
A 2018 Stinger and a 2023 GT2 do not have the same age, value, or equipment.
Always quote the specific vehicle.
Hiding a Regular Driver
List drivers according to the insurer’s rules.
Do not leave a teen, spouse, household member, or other regular driver off a policy simply to try to reduce the premium. Incorrect driver information can create serious policy or claim problems.
Buying State Minimum Coverage Without Comparing Limits
The legal minimum may not match your personal financial risk.
Review how much liability protection you would want after a serious accident.
Dropping Physical Damage Coverage Without Checking the Loan
If you finance the Stinger, your lender may require collision and comprehensive coverage.
Assuming Safety Ratings Guarantee Discounts
The 2023 Stinger received strong IIHS ratings, but the insurer decides whether particular safety equipment qualifies for a discount.
Frequently Asked Questions
Compare.com currently reports an average of about $203 per month across coverage levels. Liability coverage averages about $129, while full coverage averages about $276 per month. Your rate can differ based on your state, driving history, age, coverage, Stinger model year, and insurer.
Insurers may treat the Stinger as a performance oriented vehicle because of its engine options and performance characteristics, but insurance companies do not all use one universal sports car classification. Your company will rate the exact vehicle together with your driver profile and other risk factors.
A GT2 may cost more than a GT Line for some drivers because the GT2 had a higher original value and a more powerful 368 horsepower V6. However, there is no fixed national GT2 surcharge. Compare quotes for the exact vehicle identification number.
Yes. Discontinued vehicles can still receive auto insurance. Kia ended Stinger production after the 2023 model year, but insurers continue to cover used vehicles that meet their underwriting requirements. Coverage availability and rates depend on the insurer and driver.
State law does not normally require collision and comprehensive coverage, but a lender may require both if you finance the car. If you own the Stinger outright, compare the vehicle's value, premium, deductible, and your ability to replace it before removing physical damage coverage.
It can. Compare.com's current Stinger data shows an average of $203 per month for drivers with clean records and $272 for drivers with a speeding ticket. Your actual increase depends on the violation, state, insurer, and driving history.
Compare Kia Stinger Insurance Based on Your Actual Vehicle
The Kia Stinger remains an appealing used performance car even though production ended after the 2023 model year. Insurance costs can vary widely because the Stinger was sold with different engines, trims, model years, and drivetrain configurations.
Current market data places average Stinger insurance near $203 per month across coverage levels, but your personal quote matters more than the national figure.
Compare multiple insurers using the same liability limits, collision and comprehensive deductibles, drivers, mileage, and optional coverage. Check lender requirements if you finance the car, and tell the insurer about regular drivers and material vehicle modifications.