Kia Soul Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

Estimated insurance prices for a Kia Soul are $1,248 every 12 months with full coverage. Comprehensive insurance costs an estimated $238, collision insurance costs $400, and liability is $452. A policy with only liability insurance costs around $504 a year, and a high-risk policy costs $2,698 or more. Teen drivers pay the most at up to $4,804 a year.

Average premium for full coverage: $1,248

Premium estimates broken down by type of coverage:

Comprehensive $238
Collision $400
Liability $452

Prices are based on $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Soul trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Kia Soul range from the cheapest price of $504 for just liability coverage to a much higher rate of $2,698 for a driver required to buy high-risk insurance.

Liability Only $504
Full Coverage $1,248
High Risk $2,698

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects insurance prices.

Rural Areas $936
Small Cities $1,310
Large Cities $1,685

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of 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.

Detailed Rate Analysis

The chart below details average Kia Soul insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $731
  • Raising to $1,000 deductibles will save approximately $144 annually
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,248
  • Choosing more expensive low deductibles costs an extra $280 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay up to $2,698
  • An auto insurance policy to insure a teen driver with full coverage can cost as much as $4,804

View Chart as Image

Kia Soul insurance cost comparison chart
Column chart showing Kia Soul insurance prices range from $731 to $4,804 for full coverage

Car insurance prices for a Kia Soul also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing high deductibles can reduce prices by up to $430 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 134% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Kia Soul insurance prices. A middle-age driver might find prices as low as $900 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,690 on average in New York, Michigan, and Florida.

Kia Soul Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,130 -$118 -9.5%
Alaska $956 -$292 -23.4%
Arizona $1,036 -$212 -17.0%
Arkansas $1,248 -$0 0.0%
California $1,422 $174 13.9%
Colorado $1,192 -$56 -4.5%
Connecticut $1,284 $36 2.9%
Delaware $1,412 $164 13.1%
Florida $1,562 $314 25.2%
Georgia $1,152 -$96 -7.7%
Hawaii $896 -$352 -28.2%
Idaho $844 -$404 -32.4%
Illinois $930 -$318 -25.5%
Indiana $940 -$308 -24.7%
Iowa $842 -$406 -32.5%
Kansas $1,186 -$62 -5.0%
Kentucky $1,704 $456 36.5%
Louisiana $1,848 $600 48.1%
Maine $770 -$478 -38.3%
Maryland $1,028 -$220 -17.6%
Massachusetts $998 -$250 -20.0%
Michigan $2,168 $920 73.7%
Minnesota $1,044 -$204 -16.3%
Mississippi $1,494 $246 19.7%
Missouri $1,106 -$142 -11.4%
Montana $1,340 $92 7.4%
Nebraska $984 -$264 -21.2%
Nevada $1,498 $250 20.0%
New Hampshire $900 -$348 -27.9%
New Jersey $1,394 $146 11.7%
New Mexico $1,106 -$142 -11.4%
New York $1,314 $66 5.3%
North Carolina $720 -$528 -42.3%
North Dakota $1,024 -$224 -17.9%
Ohio $862 -$386 -30.9%
Oklahoma $1,280 $32 2.6%
Oregon $1,142 -$106 -8.5%
Pennsylvania $1,192 -$56 -4.5%
Rhode Island $1,664 $416 33.3%
South Carolina $1,130 -$118 -9.5%
South Dakota $1,054 -$194 -15.5%
Tennessee $1,092 -$156 -12.5%
Texas $1,506 $258 20.7%
Utah $924 -$324 -26.0%
Vermont $856 -$392 -31.4%
Virginia $748 -$500 -40.1%
Washington $964 -$284 -22.8%
West Virginia $1,142 -$106 -8.5%
Wisconsin $864 -$384 -30.8%
Wyoming $1,112 -$136 -10.9%

View Chart as Image

Kia Soul insurance rates by U.S. city

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 $1,202 $100
Kia Soul Plus $1,238 $103
Kia Soul Exclaim $1,284 $107
Kia Soul Sport $1,284 $107

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 $238 $400 $452 $1,248
2017 Kia Soul $230 $376 $456 $1,220
2016 Kia Soul $220 $338 $460 $1,176
2014 Kia Soul $198 $292 $464 $1,112
2013 Kia Soul $194 $272 $474 $1,098
2012 Kia Soul $180 $252 $474 $1,064
2010 Kia Soul $162 $210 $474 $1,004

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 Shop for Affordable Kia Soul Insurance

Finding better rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and possibly higher deductibles. Set aside time to shop around at every policy renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following is a brief review of the data raised in the charts and tables above.

  • Policyholders who want higher liability limits will pay about $500 every year to raise from 30/60 bodily injury limits to a 250/500 level
  • You may be able to save approximately $150 per year just by shopping early and online
  • Increasing policy deductibles could save as much as $425 each year
  • Teens have the highest car insurance prices, possibly costing $400 per month if the policy includes full coverage

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

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%

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 $4,804
20 $2,874
30 $1,288
40 $1,248
50 $1,142
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

Kia Soul Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,528
$250 $1,400
$500 $1,248
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

Kia Soul Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,248
50/100 $1,374
100/300 $1,487
250/500 $1,781
100 CSL $1,420
300 CSL $1,668
500 CSL $1,849

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Soul Insurance Rates for High Risk Drivers
Age Premium
16 $6,824
20 $4,578
30 $2,742
40 $2,698
50 $2,578
60 $2,556

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $80
Paid in Full/EFT $53
Advance Quote $59
Online Quote $87
Total Discounts $517
Rate after discounts $731

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

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