Kia Soul EV Insurance Rates
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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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$104|
|5-yr Claim Free||$92|
|Paid in Full/EFT||$64|
Discounts are estimated and may not be available from every company or in every state.