Kia Soul Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 2, 2022

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If you’ve ever asked yourself if a Kia Soul is expensive to insure, then you’ve come to the right place. The average Kia Soul insurance rates cost around $116 per month or $1,388 annually.

While there are several elements that influence your Kia Soul car insurance rates, some of the most important factors include the driver’s age, location, and personal driving record. However, the age of your Kia Soul model as well as the trim level can also impact your premiums. 

For example, the 2018 Kia Soul auto insurance rates are slightly higher than the 2016 Kia Soul insurance rates. Older cars tend to cost less to insure because they are more affordable to fix and replace. 

So how much is car insurance on a Kia Soul going to cost you? Keep reading and we’ll explore all of these details you need in this article to give you a firm understanding of how much it costs to insure a Kia Soul, and how you can earn cheap car insurance rates.

When you’re ready, you can start comparing affordable Kia Soul insurance quotes from multiple companies right now by entering your ZIP code into our free online tool above.

Average insurance rates for a Kia Soul are $1,296 a year for full coverage. Comprehensive costs on average $262 a year, collision costs $446, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $2,802. Teen drivers receive the highest rates at $4,922 a year or more.

Average premium for full coverage: $1,296

Rate estimates by individual coverage type:

Comprehensive $262
Collision $446
Liability $430

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Soul trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $2,802 for a high risk driver.

Liability Only $486
Full Coverage $1,296
High Risk $2,802

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $972
Small Cities $1,361
Large Cities $1,750

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying 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.

Insurance Rate Analysis

The chart below shows estimated Kia Soul insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $756
  • Drivers who choose higher $1,000 deductibles will pay around $1,136 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,296
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,608
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,802 or more
  • The cost for full coverage for a teen driver may cost $4,922 a year

View Chart as Image

Kia Soul insurance cost comparison chart
Column chart showing full coverage Kia Soul insurance rates range from $756 to $4,922

for a Kia Soul can also vary considerably based on your driver profile, the trim level of your Soul, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,900 a year. View Rates by Age

Where you live makes a big difference in Kia Soul insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,850 on average in Michigan, Louisiana, and New York.

Kia Soul Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,174 -$122 -9.4%
Alaska $996 -$300 -23.1%
Arizona $1,076 -$220 -17.0%
Arkansas $1,296 -$0 0.0%
California $1,478 $182 14.0%
Colorado $1,238 -$58 -4.5%
Connecticut $1,334 $38 2.9%
Delaware $1,468 $172 13.3%
Florida $1,622 $326 25.2%
Georgia $1,196 -$100 -7.7%
Hawaii $930 -$366 -28.2%
Idaho $876 -$420 -32.4%
Illinois $966 -$330 -25.5%
Indiana $976 -$320 -24.7%
Iowa $876 -$420 -32.4%
Kansas $1,234 -$62 -4.8%
Kentucky $1,768 $472 36.4%
Louisiana $1,918 $622 48.0%
Maine $800 -$496 -38.3%
Maryland $1,068 -$228 -17.6%
Massachusetts $1,038 -$258 -19.9%
Michigan $2,252 $956 73.8%
Minnesota $1,086 -$210 -16.2%
Mississippi $1,552 $256 19.8%
Missouri $1,152 -$144 -11.1%
Montana $1,394 $98 7.6%
Nebraska $1,022 -$274 -21.1%
Nevada $1,554 $258 19.9%
New Hampshire $936 -$360 -27.8%
New Jersey $1,450 $154 11.9%
New Mexico $1,148 -$148 -11.4%
New York $1,366 $70 5.4%
North Carolina $748 -$548 -42.3%
North Dakota $1,062 -$234 -18.1%
Ohio $896 -$400 -30.9%
Oklahoma $1,332 $36 2.8%
Oregon $1,186 -$110 -8.5%
Pennsylvania $1,238 -$58 -4.5%
Rhode Island $1,730 $434 33.5%
South Carolina $1,174 -$122 -9.4%
South Dakota $1,094 -$202 -15.6%
Tennessee $1,136 -$160 -12.3%
Texas $1,564 $268 20.7%
Utah $960 -$336 -25.9%
Vermont $888 -$408 -31.5%
Virginia $778 -$518 -40.0%
Washington $1,002 -$294 -22.7%
West Virginia $1,188 -$108 -8.3%
Wisconsin $898 -$398 -30.7%
Wyoming $1,156 -$140 -10.8%

View Chart as Image

Kia Soul insurance rates by U.S. city

Choosing high deductibles could save up to $480 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $387 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Kia Soul Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Soul $1,246 $104
Kia Soul Plus $1,284 $107
Kia Soul Exclaim $1,336 $111
Kia Soul Sport $1,336 $111

Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Kia Soul Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Kia Soul $262 $446 $430 $1,296
2017 Kia Soul $248 $430 $442 $1,278
2016 Kia Soul $238 $400 $452 $1,248
2014 Kia Soul $220 $338 $460 $1,176
2013 Kia Soul $206 $310 $460 $1,134
2012 Kia Soul $198 $292 $464 $1,112
2010 Kia Soul $180 $252 $474 $1,064

Rates are averaged for all Kia Soul models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Kia Soul Insurance

Saving money on Kia Soul insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $475 each year
  • Drivers can save as much as $150 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $410 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,510 more each year for insurance

As you’ve learned from the information above, many different factors impact your Kia Soul car insurance costs. The state you live in, your age, and even the model year of your Kia Soul will change what you pay for insurance. 

Now that you have a better understanding of how a Kia Soul car insurance company might determine an individual driver’s rates, the next step is to compare Kia Soul insurance costs from several top insurers.

You might still be asking, “Is Kia Soul expensive to insure?”. The best way to answer your question is by comparing rates. Before you actually buy Kia Soul car insurance, make sure you compare policies and rates from multiple different providers to ensure you’re getting your best policy.

You can do that right now by using our free quote tool below.

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What are the Kia Soul safety ratings?

It’s important to consider the safety ratings of the Kia Soul to get an objective view of how well the car protects its occupants in the event of a collision. Insurance providers also look at this information and will set insurance rates accordingly. 

The ratings below show the breakdown of the crash test ratings for the 2021 Kia Soul. The following results were conducted by the Insurance Institute for Highway Safety (IIHS).

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good 
  • Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score awarded by the IIHS. As you can see, the Kia Soul achieved the highest rating possible in every area. Even better, the 2021 Kia Soul was chosen as a Top Safety Pick when equipped with specific headlights.

Your insurance rates will already reflect these impeccable safety scores. 

Like safety ratings, crash test results are also considered by insurance companies when determining car insurance rates. 

See the results of the Kia Soul crash test ratings over the years as performed by the National Highway Traffic Safety Administration (NHTSA) in the table below.

Kia Soul Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Kia Soul SUV FWD4 stars4 stars5 stars4 stars
2019 Kia Soul SUV FWD5 stars5 stars5 stars4 stars
2018 Kia Soul SUV FWD5 stars5 stars5 stars4 stars
2017 Kia Soul SUV FWD5 stars5 stars5 stars4 stars
2016 Kia Soul SUV FWD5 stars5 stars5 stars4 stars
Get Your Rates Quote Now

A 5-star rating is the highest score given by the NHTSA. Overall, the Kia Soul has performed very well throughout the years. 

Because this vehicle proves to be both safe and reliable, your insurance rates are positively impacted.

Should you compare the Kia Soul to other vehicles in the same car class?

Comparing your car model to other similar vehicles in the same car class is a great way to estimate your insurance costs and any potential losses. 

Technically classified as a small four-door wagon, the Kia Soul is lighter than other models on the road, making it prone to rollovers, which is something that insurance companies consider during the quoting process.

However, so long as the Insurance Institute for Highway Safety (IIHS) reflects that the Kia Soul has favorable insurance loss percentages for its class, you can still save on Kia Soul insurance rates.

See the Kia Soul insurance loss probability details in the table below.

Kia Soul Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-11%
Property Damage-2%
Comprehensive-16%
Personal Injury38%
Medical Payment38%
Bodily Injury18%
Get Your Rates Quote Now

The higher the percentage, the worse the insurance loss ratio. The Kia Soul was average in most categories, however, this car has worse than average insurance loss ratios in the personal injury and medical payment categories.

If you require PIP or MedPay coverage, expect those specific car insurance costs to be higher than average. On the other hand, your comprehensive rates will be more competitive as the Kia Soul performs better than average in that category.  

Take a look at a few similar four-door wagons to see how their average insurance rates compare to the Kia Soul.

You are now an expert on securing affordable Kia Soul car insurance. Now that we have gone into great detail about how insurance rates for the Kia Soul are determined, is there anything you want to know more about?

If not, be sure to use our free online tool to start comparing Kia Soul insurance quotes from multiple providers today.

Don’t buy Kia Soul car insurance without searching for competitive rates. Simply enter your ZIP code into our free online quote comparison tool to start comparing Kia Soul rates from reputable providers near you.

References:

  1. https://www.iihs.org/ratings/vehicle/Kia/soul-4-door-wagon/2021
  2. https://www.nhtsa.gov/vehicle/2021/KIA/SOUL/SUV/FWD
  3. https://www.iihs.org/ratings/insurance-losses-by-make-and-model

Rates by Driver Age

Kia Soul Insurance Rates by Driver Age
Driver Age Premium
16 $4,922
20 $2,984
30 $1,344
40 $1,296
50 $1,186
60 $1,162

Full coverage, $500 deductibles

Rates by Deductible

Kia Soul Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,608
$250 $1,464
$500 $1,296
$1,000 $1,136

Full coverage, driver age 40

Rates by Liability Limit

Kia Soul Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,296
50/100 $1,422
100/300 $1,530
250/500 $1,809
100 CSL $1,465
300 CSL $1,702
500 CSL $1,874

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Soul Insurance Rates for High Risk Drivers
Age Premium
16 $7,000
20 $4,750
30 $2,854
40 $2,802
50 $2,674
60 $2,650

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 $179

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $68
Homeowner $20
5-yr Accident Free $92
5-yr Claim Free $83
Paid in Full/EFT $56
Advance Quote $62
Online Quote $91
Total Discounts $540
Rate after discounts $756

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

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