Kia Soul EV Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 6, 2024
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U.S. average insurance prices for a Kia Soul EV are $1,192 every 12 months for full coverage. Comprehensive insurance costs approximately $224 each year, collision costs $346, and liability coverage costs $464. Liability-only insurance costs as little as $514 a year, with high-risk driver insurance costing $2,574 or more. Teen drivers pay the highest rates at $4,634 a year or more.
Average premium for full coverage: $1,192
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and Soul EV models.
Price Range from Low to High
For the average driver, Kia Soul EV insurance prices go from the cheapest price of $514 for just liability insurance to a high rate of $2,574 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a large influence on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas.
The graphic below illustrates how location impacts auto insurance prices.
The ranges above show why all drivers should compare rates using their specific location and their own driving history, rather than using 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.
More Rate Details
The chart below shows estimated Kia Soul EV insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $704
- Drivers who choose higher $1,000 deductibles will pay $130 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,192
- Choosing low deductibles for comprehensive and collision insurance costs an extra $250 each year
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,574 or more
- The price to insure a teenage driver can cost $4,634 a year
Car insurance prices for a Kia Soul EV are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Soul EV.
Choosing high deductibles could save up to $380 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,600 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Kia Soul EV insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or as much as $1,700 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,078 | -$114 | -9.6% |
| Alaska | $914 | -$278 | -23.3% |
| Arizona | $990 | -$202 | -16.9% |
| Arkansas | $1,192 | -$0 | 0.0% |
| California | $1,360 | $168 | 14.1% |
| Colorado | $1,140 | -$52 | -4.4% |
| Connecticut | $1,226 | $34 | 2.9% |
| Delaware | $1,350 | $158 | 13.3% |
| Florida | $1,492 | $300 | 25.2% |
| Georgia | $1,100 | -$92 | -7.7% |
| Hawaii | $858 | -$334 | -28.0% |
| Idaho | $806 | -$386 | -32.4% |
| Illinois | $890 | -$302 | -25.3% |
| Indiana | $898 | -$294 | -24.7% |
| Iowa | $806 | -$386 | -32.4% |
| Kansas | $1,134 | -$58 | -4.9% |
| Kentucky | $1,628 | $436 | 36.6% |
| Louisiana | $1,766 | $574 | 48.2% |
| Maine | $736 | -$456 | -38.3% |
| Maryland | $984 | -$208 | -17.4% |
| Massachusetts | $956 | -$236 | -19.8% |
| Michigan | $2,072 | $880 | 73.8% |
| Minnesota | $998 | -$194 | -16.3% |
| Mississippi | $1,428 | $236 | 19.8% |
| Missouri | $1,058 | -$134 | -11.2% |
| Montana | $1,282 | $90 | 7.6% |
| Nebraska | $940 | -$252 | -21.1% |
| Nevada | $1,430 | $238 | 20.0% |
| New Hampshire | $858 | -$334 | -28.0% |
| New Jersey | $1,332 | $140 | 11.7% |
| New Mexico | $1,056 | -$136 | -11.4% |
| New York | $1,256 | $64 | 5.4% |
| North Carolina | $688 | -$504 | -42.3% |
| North Dakota | $976 | -$216 | -18.1% |
| Ohio | $822 | -$370 | -31.0% |
| Oklahoma | $1,224 | $32 | 2.7% |
| Oregon | $1,092 | -$100 | -8.4% |
| Pennsylvania | $1,138 | -$54 | -4.5% |
| Rhode Island | $1,592 | $400 | 33.6% |
| South Carolina | $1,080 | -$112 | -9.4% |
| South Dakota | $1,008 | -$184 | -15.4% |
| Tennessee | $1,044 | -$148 | -12.4% |
| Texas | $1,438 | $246 | 20.6% |
| Utah | $884 | -$308 | -25.8% |
| Vermont | $818 | -$374 | -31.4% |
| Virginia | $714 | -$478 | -40.1% |
| Washington | $922 | -$270 | -22.7% |
| West Virginia | $1,092 | -$100 | -8.4% |
| Wisconsin | $826 | -$366 | -30.7% |
| Wyoming | $1,064 | -$128 | -10.7% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, so rate quotes may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Kia Soul EV | $232 | $368 | $460 | $1,218 |
| 2016 Kia Soul EV | $224 | $346 | $464 | $1,192 |
| 2015 Kia Soul EV | $220 | $322 | $474 | $1,174 |
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 Shop for the Best Kia Soul EV Insurance
Getting lower rates on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Spend time shopping around at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief recap of the data touched on above.
- Consumers who purchase additional liability coverage will pay about $510 each year to go from a low limit to a 250/500 level
- Drivers can save around $140 per year simply by quoting online in advance
- Increasing physical damage deductibles could save as much as $375 each year
- 16 to 18-year-old drivers pay the highest auto insurance prices, with premiums as much as $386 a month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,634 |
| 20 | $2,734 |
| 30 | $1,226 |
| 40 | $1,192 |
| 50 | $1,092 |
| 60 | $1,070 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,442 |
| $250 | $1,326 |
| $500 | $1,192 |
| $1,000 | $1,062 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,192 |
| 50/100 | $1,285 |
| 100/300 | $1,401 |
| 250/500 | $1,702 |
| 100 CSL | $1,331 |
| 300 CSL | $1,586 |
| 500 CSL | $1,772 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,568 |
| 20 | $4,358 |
| 30 | $2,612 |
| 40 | $2,574 |
| 50 | $2,458 |
| 60 | $2,434 |
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 | $62 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $83 |
| Total Discounts | $488 |
Discounts are estimated and may not be available from every company or in every state.
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