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 for full coverage. Comprehensive costs an estimated $232, collision insurance costs $368, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,632. Teen drivers cost the most to insure at up to $4,716 a year.
Average premium for full coverage: $1,218
Policy rates broken down by type of insurance:
Price estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Soul EV models.
Price Range Variability
For the average 40-year-old driver, Kia Soul EV insurance rates range from as cheap as $510 for the bare minimum liability coverage to the much higher price of $2,632 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than larger metro areas. The example below illustrates the difference location can make on insurance prices.
The examples above show why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on price 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.
Additional Rate Information
The chart below shows average Kia Soul EV insurance rates for other coverage scenarios.
- The lowest rate with discounts is $717
- Using higher $1,000 deductibles will save approximately $136 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,218
- Choosing pricier low deductibles for physical damage coverage will cost $1,482
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,632
- Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,716 or more
Car insurance rates for a Kia Soul EV also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $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 could be paying $1,400 to $2,000 extra every year, depending on your age. Kia Soul EV insurance for high-risk drivers can be from 42% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $400 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Kia Soul EV insurance prices. A driver around age 40 might see rates as low as $810 a year in states like Iowa, Maine, and Idaho, or as much as $1,740 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 Cheaper Kia Soul EV Insurance
Finding cheaper rates on insurance for a Kia Soul EV requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Make time to compare rates every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a condensed summary of the coverage data touched on in this article.
- Drivers can save approximately $140 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Teens have the highest car insurance rates, costing up to $393 each month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,410 more annually for Soul EV insurance
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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