Kia Soul Insurance Rates
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UPDATED: Jun 6, 2023
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If you’ve ever asked yourself if a Kia Soul is expensive to insure, then you’ve come to the right place. The average Kia Soul insurance rates cost around $116 per month or $1,388 annually.
While there are several elements that influence your Kia Soul car insurance rates, some of the most important factors include the driver’s age, location, and personal driving record. However, the age of your Kia Soul model as well as the trim level can also impact your premiums.
For example, the 2018 Kia Soul auto insurance rates are slightly higher than the 2016 Kia Soul insurance rates. Older cars tend to cost less to insure because they are more affordable to fix and replace.
So how much is car insurance on a Kia Soul going to cost you? Keep reading and we’ll explore all of these details you need in this article to give you a firm understanding of how much it costs to insure a Kia Soul, and how you can earn cheap car insurance rates.
When you’re ready, you can start comparing affordable Kia Soul insurance quotes from multiple companies right now by entering your ZIP code into our free online tool above.
U.S. average insurance prices for a Kia Soul are $1,248 every 12 months for full coverage. Comprehensive insurance costs on average $238 a year, collision insurance costs $400, and liability coverage costs around $452. Liability-only insurance costs as low as $504 a year, and high-risk driver insurance costs $2,698 or more. Teen drivers pay the highest rates at up to $4,804 a year.
Average premium for full coverage: $1,248
Price estimates by individual coverage:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Soul trim levels.
Price Range from Low to High
For a driver around age 40, Kia Soul insurance prices range from the cheapest price of $504 for just the minimum liability insurance to a high of $2,698 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a large influence on car insurance rates. Rural areas have more infrequent accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above show why it is important to compare prices based on a specific location and their own driving history, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below shows average Kia Soul insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $731
- Using higher $1,000 deductibles will save around $1,104 a year
- The average price for the average middle-age driver with $500 deductibles is $1,248
- Choosing low $100 deductibles for physical damage coverage costs an extra $280 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,698
- The price to insure a teenage driver may cost $4,804 or more
Car insurance prices for a Kia Soul are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Soul.
Choosing high deductibles could cut prices by as much as $430 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Kia Soul insurance rates. A driver around age 40 might see prices as low as $820 a year in states like Idaho, Maine, and Iowa, or as much as $1,780 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,130 | -$118 | -9.5% |
Alaska | $956 | -$292 | -23.4% |
Arizona | $1,036 | -$212 | -17.0% |
Arkansas | $1,248 | -$0 | 0.0% |
California | $1,422 | $174 | 13.9% |
Colorado | $1,192 | -$56 | -4.5% |
Connecticut | $1,284 | $36 | 2.9% |
Delaware | $1,412 | $164 | 13.1% |
Florida | $1,562 | $314 | 25.2% |
Georgia | $1,152 | -$96 | -7.7% |
Hawaii | $896 | -$352 | -28.2% |
Idaho | $844 | -$404 | -32.4% |
Illinois | $930 | -$318 | -25.5% |
Indiana | $940 | -$308 | -24.7% |
Iowa | $842 | -$406 | -32.5% |
Kansas | $1,186 | -$62 | -5.0% |
Kentucky | $1,704 | $456 | 36.5% |
Louisiana | $1,848 | $600 | 48.1% |
Maine | $770 | -$478 | -38.3% |
Maryland | $1,028 | -$220 | -17.6% |
Massachusetts | $998 | -$250 | -20.0% |
Michigan | $2,168 | $920 | 73.7% |
Minnesota | $1,044 | -$204 | -16.3% |
Mississippi | $1,494 | $246 | 19.7% |
Missouri | $1,106 | -$142 | -11.4% |
Montana | $1,340 | $92 | 7.4% |
Nebraska | $984 | -$264 | -21.2% |
Nevada | $1,498 | $250 | 20.0% |
New Hampshire | $900 | -$348 | -27.9% |
New Jersey | $1,394 | $146 | 11.7% |
New Mexico | $1,106 | -$142 | -11.4% |
New York | $1,314 | $66 | 5.3% |
North Carolina | $720 | -$528 | -42.3% |
North Dakota | $1,024 | -$224 | -17.9% |
Ohio | $862 | -$386 | -30.9% |
Oklahoma | $1,280 | $32 | 2.6% |
Oregon | $1,142 | -$106 | -8.5% |
Pennsylvania | $1,192 | -$56 | -4.5% |
Rhode Island | $1,664 | $416 | 33.3% |
South Carolina | $1,130 | -$118 | -9.5% |
South Dakota | $1,054 | -$194 | -15.5% |
Tennessee | $1,092 | -$156 | -12.5% |
Texas | $1,506 | $258 | 20.7% |
Utah | $924 | -$324 | -26.0% |
Vermont | $856 | -$392 | -31.4% |
Virginia | $748 | -$500 | -40.1% |
Washington | $964 | -$284 | -22.8% |
West Virginia | $1,142 | -$106 | -8.5% |
Wisconsin | $864 | -$384 | -30.8% |
Wyoming | $1,112 | -$136 | -10.9% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Kia Soul | $1,202 | $100 |
Kia Soul Plus | $1,238 | $103 |
Kia Soul Exclaim | $1,284 | $107 |
Kia Soul Sport | $1,284 | $107 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Kia Soul | $238 | $400 | $452 | $1,248 |
2017 Kia Soul | $230 | $376 | $456 | $1,220 |
2016 Kia Soul | $220 | $338 | $460 | $1,176 |
2014 Kia Soul | $198 | $292 | $464 | $1,112 |
2013 Kia Soul | $194 | $272 | $474 | $1,098 |
2012 Kia Soul | $180 | $252 | $474 | $1,064 |
2010 Kia Soul | $162 | $210 | $474 | $1,004 |
Rates are averaged for all Kia Soul models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Kia Soul Insurance
Getting lower rates on auto insurance requires avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a review of the ideas that were covered above.
- Drivers under the age of 20 are expensive to insure, with premiums as much as $400 a month if the policy includes full coverage
- Drivers who have several accidents or serious violations pay an average of $1,450 more each year to insure a Kia Soul
- Increasing physical damage deductibles could save as much as $425 each year
- Drivers can save as much as $150 per year just by quoting early and online
As you’ve learned from the information above, many different factors impact your Kia Soul car insurance costs. The state you live in, your age, and even the model year of your Kia Soul will change what you pay for insurance.
Now that you have a better understanding of how a Kia Soul car insurance company might determine an individual driver’s rates, the next step is to compare Kia Soul insurance costs from several top insurers.
You might still be asking, “Is Kia Soul expensive to insure?”. The best way to answer your question is by comparing rates. Before you actually buy Kia Soul car insurance, make sure you compare policies and rates from multiple different providers to ensure you’re getting your best policy.
You can do that right now by using our free quote tool below.
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What are the Kia Soul safety ratings?
It’s important to consider the safety ratings of the Kia Soul to get an objective view of how well the car protects its occupants in the event of a collision. Insurance providers also look at this information and will set insurance rates accordingly.
The ratings below show the breakdown of the crash test ratings for the 2021 Kia Soul. The following results were conducted by the Insurance Institute for Highway Safety (IIHS).
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
A rating of ‘Good’ is the highest possible score awarded by the IIHS. As you can see, the Kia Soul achieved the highest rating possible in every area. Even better, the 2021 Kia Soul was chosen as a Top Safety Pick when equipped with specific headlights.
Your insurance rates will already reflect these impeccable safety scores.
Like safety ratings, crash test results are also considered by insurance companies when determining car insurance rates.
See the results of the Kia Soul crash test ratings over the years as performed by the National Highway Traffic Safety Administration (NHTSA) in the table below.
Vehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2020 Kia Soul SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2019 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
2018 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
2017 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
2016 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
A 5-star rating is the highest score given by the NHTSA. Overall, the Kia Soul has performed very well throughout the years.
Because this vehicle proves to be both safe and reliable, your insurance rates are positively impacted.
Should you compare the Kia Soul to other vehicles in the same car class?
Comparing your car model to other similar vehicles in the same car class is a great way to estimate your insurance costs and any potential losses.
Technically classified as a small four-door wagon, the Kia Soul is lighter than other models on the road, making it prone to rollovers, which is something that insurance companies consider during the quoting process.
However, so long as the Insurance Institute for Highway Safety (IIHS) reflects that the Kia Soul has favorable insurance loss percentages for its class, you can still save on Kia Soul insurance rates.
See the Kia Soul insurance loss probability details in the table below.
Insurance Coverage Category | Loss Rate |
---|---|
Collision | -11% |
Property Damage | -2% |
Comprehensive | -16% |
Personal Injury | 38% |
Medical Payment | 38% |
Bodily Injury | 18% |
The higher the percentage, the worse the insurance loss ratio. The Kia Soul was average in most categories, however, this car has worse than average insurance loss ratios in the personal injury and medical payment categories.
If you require PIP or MedPay coverage, expect those specific car insurance costs to be higher than average. On the other hand, your comprehensive rates will be more competitive as the Kia Soul performs better than average in that category.
Take a look at a few similar four-door wagons to see how their average insurance rates compare to the Kia Soul.
You are now an expert on securing affordable Kia Soul car insurance. Now that we have gone into great detail about how insurance rates for the Kia Soul are determined, is there anything you want to know more about?
If not, be sure to use our free online tool to start comparing Kia Soul insurance quotes from multiple providers today.
Don’t buy Kia Soul car insurance without searching for competitive rates. Simply enter your ZIP code into our free online quote comparison tool to start comparing Kia Soul rates from reputable providers near you.
References:
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,804 |
20 | $2,874 |
30 | $1,288 |
40 | $1,248 |
50 | $1,142 |
60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,528 |
$250 | $1,400 |
$500 | $1,248 |
$1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,248 |
50/100 | $1,374 |
100/300 | $1,487 |
250/500 | $1,781 |
100 CSL | $1,420 |
300 CSL | $1,668 |
500 CSL | $1,849 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,824 |
20 | $4,578 |
30 | $2,742 |
40 | $2,698 |
50 | $2,578 |
60 | $2,556 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $65 |
Multi-vehicle | $67 |
Homeowner | $20 |
5-yr Accident Free | $86 |
5-yr Claim Free | $80 |
Paid in Full/EFT | $53 |
Advance Quote | $59 |
Online Quote | $87 |
Total Discounts | $517 |
Discounts are estimated and may not be available from every company or in every state.
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