Kia Soul Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 28, 2024
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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 auto insurance rates for a Kia Soul are $1,278 annually for full coverage. Comprehensive costs around $248, collision costs $430, and liability costs around $442. A policy with only liability insurance costs as low as $496 a year, with a high-risk policy costing around $2,770. Teen drivers pay the most at $4,900 a year or more.
Average premium for full coverage: $1,278
Premium estimates for type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different Soul trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Kia Soul go from as cheap as $496 for just the minimum liability insurance to a much higher rate of $2,770 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas.
The price range example below illustrates how your location can change auto insurance rates.
These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based 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.
Additional Rate Analysis
The chart below shows estimated Kia Soul insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $745
- Using higher $1,000 deductibles will save about $154 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,278
- Choosing more expensive low deductibles for physical damage coverage will cost $1,578
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,770 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can be $4,900 or more
Car insurance prices for a Kia Soul also have a wide range based on the model of your Soul, your driver profile, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be from 43% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $460 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Kia Soul insurance prices. A driver around age 40 might see prices as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,830 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,158 | -$120 | -9.4% |
Alaska | $982 | -$296 | -23.2% |
Arizona | $1,064 | -$214 | -16.7% |
Arkansas | $1,278 | -$0 | 0.0% |
California | $1,456 | $178 | 13.9% |
Colorado | $1,224 | -$54 | -4.2% |
Connecticut | $1,316 | $38 | 3.0% |
Delaware | $1,448 | $170 | 13.3% |
Florida | $1,600 | $322 | 25.2% |
Georgia | $1,182 | -$96 | -7.5% |
Hawaii | $920 | -$358 | -28.0% |
Idaho | $866 | -$412 | -32.2% |
Illinois | $952 | -$326 | -25.5% |
Indiana | $964 | -$314 | -24.6% |
Iowa | $862 | -$416 | -32.6% |
Kansas | $1,216 | -$62 | -4.9% |
Kentucky | $1,746 | $468 | 36.6% |
Louisiana | $1,896 | $618 | 48.4% |
Maine | $790 | -$488 | -38.2% |
Maryland | $1,056 | -$222 | -17.4% |
Massachusetts | $1,024 | -$254 | -19.9% |
Michigan | $2,224 | $946 | 74.0% |
Minnesota | $1,070 | -$208 | -16.3% |
Mississippi | $1,534 | $256 | 20.0% |
Missouri | $1,134 | -$144 | -11.3% |
Montana | $1,374 | $96 | 7.5% |
Nebraska | $1,010 | -$268 | -21.0% |
Nevada | $1,534 | $256 | 20.0% |
New Hampshire | $920 | -$358 | -28.0% |
New Jersey | $1,432 | $154 | 12.1% |
New Mexico | $1,134 | -$144 | -11.3% |
New York | $1,350 | $72 | 5.6% |
North Carolina | $736 | -$542 | -42.4% |
North Dakota | $1,048 | -$230 | -18.0% |
Ohio | $886 | -$392 | -30.7% |
Oklahoma | $1,314 | $36 | 2.8% |
Oregon | $1,172 | -$106 | -8.3% |
Pennsylvania | $1,220 | -$58 | -4.5% |
Rhode Island | $1,708 | $430 | 33.6% |
South Carolina | $1,158 | -$120 | -9.4% |
South Dakota | $1,082 | -$196 | -15.3% |
Tennessee | $1,122 | -$156 | -12.2% |
Texas | $1,540 | $262 | 20.5% |
Utah | $948 | -$330 | -25.8% |
Vermont | $876 | -$402 | -31.5% |
Virginia | $766 | -$512 | -40.1% |
Washington | $990 | -$288 | -22.5% |
West Virginia | $1,172 | -$106 | -8.3% |
Wisconsin | $886 | -$392 | -30.7% |
Wyoming | $1,142 | -$136 | -10.6% |
With such a large range in prices, the only way to know your exact price is to compare prices from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Kia Soul | $1,230 | $103 |
Kia Soul Plus | $1,268 | $106 |
Kia Soul Exclaim | $1,318 | $110 |
Kia Soul Sport | $1,318 | $110 |
Rates assume 2020 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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Kia Soul | $294 | $482 | $390 | $1,324 |
2023 Kia Soul | $282 | $478 | $398 | $1,316 |
2022 Kia Soul | $272 | $466 | $416 | $1,312 |
2021 Kia Soul | $262 | $446 | $430 | $1,296 |
2020 Kia Soul | $248 | $430 | $442 | $1,278 |
2019 Kia Soul | $238 | $400 | $452 | $1,248 |
2018 Kia Soul | $230 | $376 | $456 | $1,220 |
2017 Kia Soul | $220 | $338 | $460 | $1,176 |
2016 Kia Soul | $206 | $310 | $460 | $1,134 |
2014 Kia Soul | $194 | $272 | $474 | $1,098 |
2013 Kia Soul | $180 | $252 | $474 | $1,064 |
2012 Kia Soul | $174 | $228 | $478 | $1,038 |
2010 Kia Soul | $152 | $190 | $474 | $974 |
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 Buy More Affordable Kia Soul Insurance
Finding better rates on insurance for a Kia Soul requires avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around every time your policy renews by requesting quotes from direct carriers, and also from local independent and exclusive agents.
The list below is a summary of the information illustrated above.
- Drivers can save up to $150 per year simply by shopping early and online
- Teenagers are the costliest to insure, as much as $408 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save up to $450 each year
- Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,490 more every year for car insurance
- Insureds who may need higher liability limits will pay about $490 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
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 RatingsVehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2020 Kia Soul SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2019 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
2018 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
2017 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
2016 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 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 ProbabilityInsurance Coverage Category | Loss Rate |
---|---|
Collision | -11% |
Property Damage | -2% |
Comprehensive | -16% |
Personal Injury | 38% |
Medical Payment | 38% |
Bodily Injury | 18% |
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:
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,900 |
20 | $2,952 |
30 | $1,324 |
40 | $1,278 |
50 | $1,170 |
60 | $1,148 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,578 |
$250 | $1,440 |
$500 | $1,278 |
$1,000 | $1,124 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,278 |
50/100 | $1,406 |
100/300 | $1,517 |
250/500 | $1,804 |
100 CSL | $1,451 |
300 CSL | $1,694 |
500 CSL | $1,871 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,966 |
20 | $4,702 |
30 | $2,818 |
40 | $2,770 |
50 | $2,646 |
60 | $2,622 |
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 | $67 |
Multi-vehicle | $68 |
Homeowner | $20 |
5-yr Accident Free | $90 |
5-yr Claim Free | $82 |
Paid in Full/EFT | $55 |
Advance Quote | $61 |
Online Quote | $90 |
Total Discounts | $533 |
Discounts are estimated and may not be available from every company or in every state.
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