Kia Soul EV Insurance Rates

U.S. average insurance rates for a Kia Soul EV are $1,192 a year including full coverage. Comprehensive costs an estimated $224 a year, collision insurance costs $346, and liability coverage is estimated at $464. A policy with just liability insurance costs approximately $514 a year, and coverage for high-risk drivers costs around $2,574. Teens pay the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Price estimates broken down by individual coverage:

These estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Soul EV trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.

The ranges above highlight why it is important to get quotes for a targeted area and risk profile, rather than using averaged prices.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below breaks down average Kia Soul EV insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $704
• Choosing higher $1,000 deductibles can save approximately $1,062 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,192
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $1,442
• Drivers with serious driving violations could pay up to $2,574
• The price for full coverage for a teenage driver can cost as much as $4,634 each year

View Chart as Image

Insurance prices for a Kia Soul EV are also quite variable based on your driving record, the model of your Soul EV, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Soul EV insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,700 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $380 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than the average policy. View High Risk Driver Rates

How to Find Cheap Kia Soul EV Insurance

Getting lower rates on auto insurance takes having a good driving record, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a brief summary of the ideas that were touched on in this article.

• Drivers age 20 and younger are charged the highest prices, possibly costing $386 a month for full coverage
• Drivers that tend to have accidents or serious violations may pay on average $1,380 more annually to buy Kia Soul EV insurance
• Increasing physical damage deductibles can save around $375 each year
• You may be able to save approximately $140 per year just by quoting early and online