Kia Soul Insurance Rates
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UPDATED: Apr 9, 2020
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If you ever asked yourself, “Is a Kia Soul expensive to insure?” then you’ve come to the right place. The average Kia Soul insurance rates amount to $1,388 a year, or about $116 every month.
While there are several elements that influence Kia Soul rates, some of the most important include the driver’s age, location, and personal driving record. We are going to explore all of these details in this article so you can have a firm understanding of how much it costs to insure a Kia Soul.
So how much is insurance on a Kia Soul? When you’re ready, you can start comparing Kia Soul insurance quotes from multiple companies by taking advantage of our free online tool.
Estimated insurance prices for a Kia Soul are $1,338 every 12 months with full coverage. Comprehensive costs around $308, collision insurance costs $500, and liability coverage costs $372. A liability-only policy costs as little as $438 a year, and high-risk insurance costs around $2,876. Teens pay the most at up to $4,930 a year.
Average premium for full coverage: $1,338
Premium estimates for type of coverage:
Prices include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP 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 $438 for liability-only coverage to a much higher rate of $2,876 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than using averaged prices.
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 Charts and Tables
The chart below details average Kia Soul insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $779
- Drivers who choose higher $1,000 deductibles will pay about $184 annually
- The average price for a 40-year-old good driver using $500 deductibles is $1,338
- Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,692
- High-risk insureds with serious driving violations could pay at least $2,876
- An auto insurance policy to insure a teenage driver with full coverage can be $4,930 a year
Auto insurance prices for a Kia Soul also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could save up to $540 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can cost around 43% to 134% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Kia Soul insurance rates. A 40-year-old driver could pay as low as $960 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,810 on average in Florida, Michigan, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Kia Soul Plus||$1,324||$110|
|Kia Soul Exclaim||$1,384||$115|
|Kia Soul Sport||$1,384||$115|
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|
|2020 Kia Soul||$308||$500||$372||$1,338|
|2019 Kia Soul||$294||$482||$390||$1,324|
|2018 Kia Soul||$282||$478||$398||$1,316|
|2017 Kia Soul||$272||$466||$416||$1,312|
|2016 Kia Soul||$262||$446||$430||$1,296|
|2015 Kia Soul||$248||$430||$442||$1,278|
|2014 Kia Soul||$238||$400||$452||$1,248|
|2013 Kia Soul||$230||$376||$456||$1,220|
|2012 Kia Soul||$220||$338||$460||$1,176|
|2011 Kia Soul||$206||$310||$460||$1,134|
|2010 Kia Soul||$198||$292||$464||$1,112|
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 the Right Kia Soul Insurance
Finding better rates on auto insurance not only requires being safe and accident-free, but also having a good credit score, being claim-free, and possibly raising deductibles. Set aside time to shop around every year by obtaining price quotes from direct companies, and also from several local insurance agents.
Below you'll find a quick rundown of the coverage data raised in the charts and tables above.
- You may be able to save up to $160 per year just by shopping early and online
- Increasing policy deductibles could save as much as $550 each year
- Youthful drivers are expensive to insure, possibly costing $411 per month if comprehensive and collision insurance is included
- Drivers with reckless driving or DUI convictions pay on average $1,540 more every year than a low-risk driver
Now that you have a better understanding of how an individual driver’s rates are determined, the next step is to compare Kia Soul insurance costs from several top companies. You might still be asking, “Is Kia Soul expensive to insure?” The best answer compare rates.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.
The ratings below show the breakdown of the crash test ratings for the Kia Soul. The following results were conducted by the Insurance Institute for Highway Safety.
- 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
As you can see, the Kia Soul achieved the highest rating possible in every area. Beyond that, the 2020 Kia Soul was awarded as a Top Safety Pick when equipped with specific headlights.
Kia Soul Compared Against Other Vehicles in the Same Class
Classified as a small four-door wagon, the Kia Soul is lighter than other models on the road, which is something that insurance companies consider during the quoting process.
However, so long as the Insurance Institute for Highway Safety reflects that the Kia Soul has favorable loss percentages for its class, you can still save on Kia Soul insurance rates.
Take a look at the following four-door wagons to see how their average insurance rates compare to the Kia Soul.
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.
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||$97|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$60|
Discounts are estimated and may not be available from every company or in every state.