Kia Soul EV Insurance Rates

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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:

Comprehensive $232
Collision $368
Liability $460

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.

Liability Only $510
Full Coverage $1,218
High Risk $2,632

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.

Rural Areas $914
Small Cities $1,279
Large Cities $1,644

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

View Chart as Image

Kia Soul EV insurance cost comparison chart
Column chart showing full coverage Kia Soul EV insurance rates range from $717 to $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.

Kia Soul EV Insurance Rates by State
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%

View Chart as Image

Kia Soul EV insurance rates by U.S. city

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.

Kia Soul EV Insurance Rates by Model Year
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

Rates by Driver Age

Kia Soul EV Insurance 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

Kia Soul EV Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,482
$250 $1,360
$500 $1,218
$1,000 $1,082

Full coverage, driver age 40

Rates by Liability Limit

Kia Soul EV Insurance Rates with Different Liability Limits
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

Kia Soul EV Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $717

Discounts are estimated and may not be available from every company or in every state.

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