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.
Average insurance rates for a Kia Soul are $1,248 a year for full coverage insurance. Comprehensive insurance costs around $238 each year, collision insurance costs $400, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage costs $2,698 or more. Teenage drivers receive the highest rates at up to $4,804 a year.
Average premium for full coverage: $1,248
Rate estimates for individual coverage type:
Rates are based on $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Soul models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $504 for a discount liability-only rate to a high rate of $2,698 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why all drivers should get quotes for a specific zip code, instead of using average rates.
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.
Rates by State, City, and Model
The chart below illustrates average Kia Soul insurance rates for additional coverage choices and driver risks.
- The best discount rate is $731
- Choosing higher $1,000 deductibles can save about $144 each year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,248
- Using low deductibles for comp and collision coverage will cost an additional $280 every year
- Unlucky drivers who are prone to accidents and violations could pay at least $2,698
- The cost that insures a teen driver can be $4,804 each year
Car insurance rates for a Kia Soul can also vary considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are probably paying at least $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 134% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age
Where you live plays a big part in determining prices for Kia Soul insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,690 on average in Michigan, New York, and Florida.
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% |
Using high physical damage deductibles can save as much as $430 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
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 Find the Best Cheap Kia Soul Insurance
Saving money on car insurance takes not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a quick review of the primary concepts that were raised in the charts and tables above.
- It is possible to save up to $150 per year just by quoting online in advance
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,450 more every year for Soul insurance
- Increasing deductibles can save approximately $425 each year
- Teens are the costliest to insure, costing up to $400 per month if full coverage is purchased
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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