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Kia Soul EV 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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UPDATED: Dec 9, 2019

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U.S. average insurance rates for a Kia Soul EV are $1,416 a year including full coverage. Comprehensive costs an estimated $298 each year, collision insurance costs $530, and liability coverage is $430. A policy with just liability insurance costs around $486 a year, and coverage for high-risk drivers costs around $3,062. Teenage drivers pay the highest rates at up to $5,298 a year.

Average premium for full coverage: $1,416

Price estimates broken down by individual coverage:

Comprehensive $298
Collision $530
Liability $430

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Soul EV models.

Price Range from Low to High

For the average 40-year-old driver, Kia Soul EV insurance prices range from the low end price of $486 for your basic liability-only policy to a high rate of $3,062 for coverage for higher-risk drivers.

Liability Only $486
Full Coverage $1,416
High Risk $3,062

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $1,062
Small Cities $1,487
Large Cities $1,912

The ranges above highlight why all drivers should compare rates quotes for a targeted area, rather than using average rates.

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.

More Rate Information

The chart below breaks down average Kia Soul EV insurance rates for other coverage scenarios.

  • The best discount rate is $815
  • Raising to $1,000 deductibles will save approximately $188 every year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,416
  • Using low deductibles bumps up the cost to $1,780
  • Unlucky drivers who are prone to accidents and violations could pay up to $3,062
  • The price that insures a teenage driver can cost as much as $5,298

View Chart as Image

Kia Soul EV insurance cost comparison chart
Column chart showing Kia Soul EV insurance rates range from $815 to $5,298 for full coverage

Insurance prices for a Kia Soul EV are also quite variable based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

The state you live in also has a big influence on Kia Soul EV insurance rates. A middle-age driver might find prices as low as $1,090 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,020 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 $1,278 -$138 -9.7%
Alaska $1,086 -$330 -23.3%
Arizona $1,174 -$242 -17.1%
Arkansas $1,416 -$0 0.0%
California $1,614 $198 14.0%
Colorado $1,352 -$64 -4.5%
Connecticut $1,456 $40 2.8%
Delaware $1,602 $186 13.1%
Florida $1,770 $354 25.0%
Georgia $1,306 -$110 -7.8%
Hawaii $1,016 -$400 -28.2%
Idaho $956 -$460 -32.5%
Illinois $1,054 -$362 -25.6%
Indiana $1,066 -$350 -24.7%
Iowa $954 -$462 -32.6%
Kansas $1,344 -$72 -5.1%
Kentucky $1,930 $514 36.3%
Louisiana $2,094 $678 47.9%
Maine $872 -$544 -38.4%
Maryland $1,166 -$250 -17.7%
Massachusetts $1,134 -$282 -19.9%
Michigan $2,458 $1,042 73.6%
Minnesota $1,186 -$230 -16.2%
Mississippi $1,694 $278 19.6%
Missouri $1,256 -$160 -11.3%
Montana $1,522 $106 7.5%
Nebraska $1,116 -$300 -21.2%
Nevada $1,694 $278 19.6%
New Hampshire $1,020 -$396 -28.0%
New Jersey $1,582 $166 11.7%
New Mexico $1,254 -$162 -11.4%
New York $1,492 $76 5.4%
North Carolina $816 -$600 -42.4%
North Dakota $1,160 -$256 -18.1%
Ohio $978 -$438 -30.9%
Oklahoma $1,454 $38 2.7%
Oregon $1,296 -$120 -8.5%
Pennsylvania $1,350 -$66 -4.7%
Rhode Island $1,886 $470 33.2%
South Carolina $1,282 -$134 -9.5%
South Dakota $1,194 -$222 -15.7%
Tennessee $1,240 -$176 -12.4%
Texas $1,706 $290 20.5%
Utah $1,048 -$368 -26.0%
Vermont $970 -$446 -31.5%
Virginia $848 -$568 -40.1%
Washington $1,094 -$322 -22.7%
West Virginia $1,296 -$120 -8.5%
Wisconsin $980 -$436 -30.8%
Wyoming $1,260 -$156 -11.0%

View Chart as Image

Kia Soul EV insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $560 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

Kia Soul EV Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Kia Soul EV $298 $530 $430 $1,416
2016 Kia Soul EV $282 $512 $442 $1,394
2015 Kia Soul EV $270 $474 $452 $1,354

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 Find Cheaper Kia Soul EV Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having above-average credit, being claim-free, and deciding if full coverage is necessary. Compare prices at least once a year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The following items are a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save approximately $170 per year just by quoting online in advance
  • Drivers with multiple at-fault accidents could be charged and average of $1,650 more annually than a driver with a clean driving record
  • Increasing physical damage deductibles can save approximately $550 each year
  • 16 to 18-year-old drivers are charged the highest prices, possibly costing $442 a month if full coverage is included

Rates by Driver Age

Kia Soul EV Insurance Rates by Driver Age
Driver Age Premium
16 $5,298
20 $3,264
30 $1,474
40 $1,416
50 $1,294
60 $1,268

Full coverage, $500 deductibles

Rates by Deductible

Kia Soul EV Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,780
$250 $1,610
$500 $1,416
$1,000 $1,228

Full coverage, driver age 40

Rates by Liability Limit

Kia Soul EV Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,416
50/100 $1,502
100/300 $1,610
250/500 $1,889
100 CSL $1,545
300 CSL $1,782
500 CSL $1,954

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Soul EV Insurance Rates for High Risk Drivers
Age Premium
16 $7,558
20 $5,196
30 $3,126
40 $3,062
50 $2,924
60 $2,898

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 $198

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $104
5-yr Claim Free $92
Paid in Full/EFT $64
Advance Quote $70
Online Quote $101
Total Discounts $601
Rate after discounts $815

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

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