Kia Soul EV Insurance Rates
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Michelle Robbins
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UPDATED: Apr 6, 2024
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The average auto insurance rates for a Kia Soul EV are $1,218 annually with full coverage. Comprehensive costs approximately $232 a year, collision costs $368, and liability coverage is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,632. Teenage drivers cost the most to insure at $4,716 a year or more.
Average premium for full coverage: $1,218
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Soul EV trim levels.
Price Range Variability
For an average driver, Kia Soul EV insurance rates go from as cheap as $510 for liability-only coverage to a high of $2,632 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.
The diagram below illustrates the effect of geographic area on auto insurance prices.
The examples above demonstrate why it is important to get quotes using their specific location and their own personal driving habits, rather than 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.
Additional Charts and Tables
The chart below details estimated Kia Soul EV insurance rates for additional coverage and risk scenarios.
- The best discount rate is $717
- Choosing higher $1,000 deductibles can save $1,082 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,218
- Using low $100 deductibles for comp and collision coverage will cost $1,482
- Drivers who are prone to accidents and violations could pay around $2,632 or more
- Policy cost with full coverage for a teenage driver can cost $4,716 each year
Auto insurance rates for a Kia Soul EV also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 42% to 128% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $400 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Kia Soul EV insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,650 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.
| 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 Buy Cheap Kia Soul EV Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and violations, having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief summary of the ideas that were covered in the above illustrations.
- Teenagers have the highest car insurance rates, as much as $393 each month if full coverage is included
- Drivers that tend to have accidents or serious violations may pay on average $1,410 more per year for car insurance
- Increasing comprehensive and collision deductibles could save up to $400 each year
- You may be able to save around $140 per year simply by quoting early and online
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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