Kia Soul EV Insurance Rates
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Michelle Robbins
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UPDATED: Apr 6, 2024
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U.S. average insurance rates for a Kia Soul EV are $1,218 a year with full coverage. Comprehensive insurance costs on average $232 a year, collision costs $368, and liability insurance is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,632 or more. 16-year-old drivers pay the highest rates at $4,716 a year or more.
Average premium for full coverage: $1,218
Price estimates by individual coverage:
Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Soul EV trim levels.
Price Range from Low to High
For the average 40-year-old driver, Kia Soul EV insurance prices go from the low end price of $510 for a discount liability-only rate to a high of $2,632 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas have lower incidents of collision claims than congested cities.
The diagram below illustrates the difference location can make on car insurance rates.
The ranges above demonstrate why it is important to compare rates quotes based on a specific location, rather than relying on rate 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.
Rates by State, City, and Model
The chart below details estimated Kia Soul EV insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $717
- Raising to $1,000 deductibles will save around $1,082 annually
- The estimated price for the average middle-age driver with $500 deductibles is $1,218
- Buying low $100 deductibles will cost an additional $264 a year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,632 or more
- The price that insures a teen driver may cost $4,716
Insurance prices for a Kia Soul EV are also quite variable based on the trim level of your Soul EV, your age and driving habits, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 128% more than the average rate. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age
The state you live in also has a big influence on Kia Soul EV insurance rates. A middle-age driver might find prices as low as $880 a year in states like New Hampshire, Ohio, and Utah, or at least $1,650 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,102 | -$116 | -9.5% |
| Alaska | $934 | -$284 | -23.3% |
| Arizona | $1,014 | -$204 | -16.7% |
| Arkansas | $1,218 | -$0 | 0.0% |
| California | $1,390 | $172 | 14.1% |
| Colorado | $1,166 | -$52 | -4.3% |
| Connecticut | $1,254 | $36 | 3.0% |
| Delaware | $1,380 | $162 | 13.3% |
| Florida | $1,524 | $306 | 25.1% |
| Georgia | $1,124 | -$94 | -7.7% |
| Hawaii | $876 | -$342 | -28.1% |
| Idaho | $826 | -$392 | -32.2% |
| Illinois | $908 | -$310 | -25.5% |
| Indiana | $918 | -$300 | -24.6% |
| Iowa | $822 | -$396 | -32.5% |
| Kansas | $1,158 | -$60 | -4.9% |
| Kentucky | $1,664 | $446 | 36.6% |
| Louisiana | $1,804 | $586 | 48.1% |
| Maine | $754 | -$464 | -38.1% |
| Maryland | $1,006 | -$212 | -17.4% |
| Massachusetts | $976 | -$242 | -19.9% |
| Michigan | $2,118 | $900 | 73.9% |
| Minnesota | $1,020 | -$198 | -16.3% |
| Mississippi | $1,460 | $242 | 19.9% |
| Missouri | $1,080 | -$138 | -11.3% |
| Montana | $1,310 | $92 | 7.6% |
| Nebraska | $962 | -$256 | -21.0% |
| Nevada | $1,462 | $244 | 20.0% |
| New Hampshire | $880 | -$338 | -27.8% |
| New Jersey | $1,364 | $146 | 12.0% |
| New Mexico | $1,080 | -$138 | -11.3% |
| New York | $1,284 | $66 | 5.4% |
| North Carolina | $702 | -$516 | -42.4% |
| North Dakota | $998 | -$220 | -18.1% |
| Ohio | $842 | -$376 | -30.9% |
| Oklahoma | $1,252 | $34 | 2.8% |
| Oregon | $1,118 | -$100 | -8.2% |
| Pennsylvania | $1,164 | -$54 | -4.4% |
| Rhode Island | $1,628 | $410 | 33.7% |
| South Carolina | $1,104 | -$114 | -9.4% |
| South Dakota | $1,028 | -$190 | -15.6% |
| Tennessee | $1,068 | -$150 | -12.3% |
| Texas | $1,470 | $252 | 20.7% |
| Utah | $902 | -$316 | -25.9% |
| Vermont | $834 | -$384 | -31.5% |
| Virginia | $730 | -$488 | -40.1% |
| Washington | $944 | -$274 | -22.5% |
| West Virginia | $1,118 | -$100 | -8.2% |
| Wisconsin | $844 | -$374 | -30.7% |
| Wyoming | $1,088 | -$130 | -10.7% |
Opting for high physical damage deductibles can reduce prices by up to $400 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Kia Soul EV | $248 | $400 | $460 | $1,266 |
| 2016 Kia Soul EV | $232 | $368 | $460 | $1,218 |
| 2015 Kia Soul EV | $224 | $346 | $464 | $1,192 |
Rates are averaged for all Kia Soul EV 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 More Affordable Kia Soul EV Insurance
Getting lower rates on Kia Soul EV insurance consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Comparison shop every couple of years by getting rate quotes from direct companies, and also from several local insurance agents.
The items below are a summary of the material that was touched on in this article.
- Drivers who require more liability coverage will pay around $510 every year to raise from a low limit to the 250/500 level
- Teen drivers pay higher prices, costing up to $393 a month if comprehensive and collision insurance is included
- High-risk drivers who have multiple accidents or major violations pay on average $1,410 more each year to insure their Soul EV
- Increasing physical damage deductibles can save approximately $400 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,716 |
| 20 | $2,800 |
| 30 | $1,256 |
| 40 | $1,218 |
| 50 | $1,116 |
| 60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,482 |
| $250 | $1,360 |
| $500 | $1,218 |
| $1,000 | $1,082 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,218 |
| 50/100 | $1,310 |
| 100/300 | $1,425 |
| 250/500 | $1,724 |
| 100 CSL | $1,356 |
| 300 CSL | $1,609 |
| 500 CSL | $1,793 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,688 |
| 20 | $4,460 |
| 30 | $2,674 |
| 40 | $2,632 |
| 50 | $2,516 |
| 60 | $2,492 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $501 |
Discounts are estimated and may not be available from every company or in every state.
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