Kia Soul Insurance Rates

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.

U.S. average auto insurance rates for a Kia Soul are $1,278 annually for full coverage insurance. Comprehensive costs approximately $248 a year, collision costs $430, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing around $2,770. Teen drivers pay the highest rates at $4,900 a year or more.

Average premium for full coverage: $1,278

Price estimates by individual coverage:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Soul trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations have fewer physical damage claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why it is important to get quotes using their specific location and their own personal driving habits, instead of using price averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below illustrates estimated Kia Soul insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $745
• Choosing higher $1,000 deductibles can save $1,124 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,278
• Choosing low $100 deductibles for comp and collision coverage will cost $1,578
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,770 or more
• The price with full coverage for a teen driver can cost $4,900 each year

View Chart as Image

Car insurance prices for a Kia Soul are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $460 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Kia Soul insurance prices. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, so rate quotes may be quite different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy More Affordable Kia Soul Insurance

Getting lower rates on car insurance takes having a good driving record, having a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to compare rates once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a summary of the data that was presented in the illustrations above.

• It is possible to save around $150 per year simply by quoting early and online
• Policyholders who purchase increased levels of liability coverage will pay about $490 annually to raise limits from a low limit to higher 250/500 limits
• Drivers age 20 and younger pay the highest auto insurance prices, as much as $408 a month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,490 more per year to buy Kia Soul 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.

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.

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.

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.

• Chevrolet Sonic
• Ford Focus
• Subaru Impreza

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