Kia Soul EV Insurance Rates

Average insurance rates for a Kia Soul EV are $1,192 a year with full coverage. Comprehensive insurance costs an estimated $224, collision insurance costs $346, and liability insurance costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,574 or more. Teenage drivers receive the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Rate estimates broken down by individual coverage type:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Soul EV models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. More rural locations tend to have lower incidents of collision claims than densely populated cities. The example below illustrates how location impacts insurance prices.

These examples demonstrate why everyone should compare prices for a targeted area, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $704
• Using higher $1,000 deductibles will save approximately $130 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,192
• Using pricier low deductibles for physical damage coverage will cost an additional $250 a year
• Drivers who are prone to accidents and violations could pay up to $2,574
• The cost that insures a teen driver for full coverage can cost as much as $4,634 or more

View Chart as Image

Insurance rates for a Kia Soul EV can also vary considerably based on the model of your Soul EV, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,400 to $2,000 extra per year, depending on your age. Kia Soul EV insurance for high-risk drivers can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

Where you live has a huge impact on Kia Soul EV insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,610 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $380 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Kia Soul EV Insurance

Saving money on Kia Soul EV insurance requires being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare prices every couple of years by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief recap of the material that was touched on above.

• Drivers who want more liability protection will pay an extra $510 every year to increase from a minimum limit to the 250/500 level
• Youthful drivers are charged the highest rates, with premiums as much as $386 per month if full coverage is included
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,380 more annually than a low-risk driver
• Increasing deductibles can save approximately $375 each year