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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Average auto insurance rates for a Kia Soul EV are $1,218 annually including full coverage. Comprehensive costs an estimated $232, collision costs $368, and liability coverage is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing around $2,632. 16-year-old drivers receive the highest rates at $4,716 a year or more.
Average premium for full coverage: $1,218
Rate estimates broken down by individual coverage type:
Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Soul EV models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $510 for basic liability insurance to the much higher price of $2,632 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities.
The example below illustrates the difference location can make on insurance prices.
These examples highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than using rate 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.
Rate Comparisons
The chart below breaks down estimated Kia Soul EV insurance rates for other coverage scenarios.
- The best full coverage rate is $717
- Raising to $1,000 deductibles will save approximately $136 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,218
- Buying pricier low deductibles will cost $1,482
- Unlucky drivers with multiple tickets or accidents could pay up to $2,632 or more
- The cost with full coverage for a teenage driver for full coverage can cost as much as $4,716
Insurance rates for a Kia Soul EV can also vary considerably based on the trim level of your Soul EV, your driving characteristics, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,400 to $2,000 extra per year, depending on your age. Kia Soul EV insurance for high-risk drivers is expensive and can cost around 42% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $400 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Kia Soul EV insurance rates. A middle-age driver might find rates as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,740 on average in Louisiana, New York, 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% |
With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different 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 the Cheapest Kia Soul EV Insurance
Saving money on auto insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and taking advantage of discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The list below is a recap of the information touched on in this article.
- You may be able to save approximately $140 per year simply by quoting online well ahead of the renewal date
- Teenagers are charged the highest rates, as much as $393 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $400 each year
- Drivers that have major violations or accidents could be forced to pay on average $1,410 more annually for car insurance
- Consumers who want higher liability limits will pay around $510 per year to raise from a minimum limit to higher 250/500 limits
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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