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Kia Soul 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: Nov 18, 2021

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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 insurance prices for a Kia Soul are $1,324 every 12 months with full coverage. Comprehensive costs around $294, collision insurance costs $482, and liability coverage costs $390. A liability-only policy costs as little as $452 a year, and high-risk insurance costs around $2,844. Teens pay the most at up to $4,916 a year.

Average premium for full coverage: $1,324

Premium estimates for type of coverage:

Comprehensive $294
Collision $482
Liability $390

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 $452 for liability-only coverage to a much higher rate of $2,844 for a policy for a high-risk driver.

Liability Only $452
Full Coverage $1,324
High Risk $2,844

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.

Rural Areas $993
Small Cities $1,390
Large Cities $1,787

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 $772
  • Drivers who choose higher $1,000 deductibles will pay about $176 annually
  • The average price for a 40-year-old good driver using $500 deductibles is $1,324
  • Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,662
  • High-risk insureds with serious driving violations could pay at least $2,844
  • An auto insurance policy to insure a teenage driver with full coverage can be $4,916 a year

View Chart as Image

Kia Soul insurance cost comparison chart
Column chart showing Kia Soul insurance rates range from $772 to $4,916 for full coverage

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 $520 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 $351 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 135% 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 $950 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,790 on average in Florida, Michigan, and New York.

Kia Soul Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$128 -9.7%
Alaska $1,014 -$310 -23.4%
Arizona $1,100 -$224 -16.9%
Arkansas $1,324 -$0 0.0%
California $1,506 $182 13.7%
Colorado $1,264 -$60 -4.5%
Connecticut $1,360 $36 2.7%
Delaware $1,498 $174 13.1%
Florida $1,656 $332 25.1%
Georgia $1,222 -$102 -7.7%
Hawaii $950 -$374 -28.2%
Idaho $894 -$430 -32.5%
Illinois $984 -$340 -25.7%
Indiana $996 -$328 -24.8%
Iowa $892 -$432 -32.6%
Kansas $1,256 -$68 -5.1%
Kentucky $1,804 $480 36.3%
Louisiana $1,958 $634 47.9%
Maine $816 -$508 -38.4%
Maryland $1,090 -$234 -17.7%
Massachusetts $1,058 -$266 -20.1%
Michigan $2,300 $976 73.7%
Minnesota $1,106 -$218 -16.5%
Mississippi $1,584 $260 19.6%
Missouri $1,174 -$150 -11.3%
Montana $1,422 $98 7.4%
Nebraska $1,046 -$278 -21.0%
Nevada $1,586 $262 19.8%
New Hampshire $952 -$372 -28.1%
New Jersey $1,480 $156 11.8%
New Mexico $1,172 -$152 -11.5%
New York $1,394 $70 5.3%
North Carolina $760 -$564 -42.6%
North Dakota $1,084 -$240 -18.1%
Ohio $914 -$410 -31.0%
Oklahoma $1,360 $36 2.7%
Oregon $1,212 -$112 -8.5%
Pennsylvania $1,262 -$62 -4.7%
Rhode Island $1,766 $442 33.4%
South Carolina $1,200 -$124 -9.4%
South Dakota $1,116 -$208 -15.7%
Tennessee $1,160 -$164 -12.4%
Texas $1,596 $272 20.5%
Utah $980 -$344 -26.0%
Vermont $904 -$420 -31.7%
Virginia $792 -$532 -40.2%
Washington $1,022 -$302 -22.8%
West Virginia $1,214 -$110 -8.3%
Wisconsin $916 -$408 -30.8%
Wyoming $1,180 -$144 -10.9%

View Chart as Image

Kia Soul insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Kia Soul Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Kia Soul $1,268 $106
Kia Soul Plus $1,310 $109
Kia Soul Exclaim $1,366 $114
Kia Soul Sport $1,366 $114

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.

Kia Soul Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Kia Soul $294 $482 $390 $1,324
2019 Kia Soul $282 $478 $398 $1,316
2018 Kia Soul $272 $466 $416 $1,312
2017 Kia Soul $262 $446 $430 $1,296
2016 Kia Soul $248 $430 $442 $1,278
2015 Kia Soul $238 $400 $452 $1,248
2014 Kia Soul $230 $376 $456 $1,220
2013 Kia Soul $220 $338 $460 $1,176
2012 Kia Soul $206 $310 $460 $1,134
2011 Kia Soul $198 $292 $464 $1,112
2010 Kia Soul $194 $272 $474 $1,098

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 $525 each year
  • Youthful drivers are expensive to insure, possibly costing $410 per month if comprehensive and collision insurance is included
  • Drivers with reckless driving or DUI convictions pay on average $1,520 more every year than a low-risk driver

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 Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Kia Soul SUV FWD4 stars4 stars5 stars4 stars
2019 Kia Soul SUV FWD5 stars5 stars5 stars4 stars
2018 Kia Soul SUV FWD5 stars5 stars5 stars4 stars
2017 Kia Soul SUV FWD5 stars5 stars5 stars4 stars
2016 Kia Soul SUV FWD5 stars5 stars5 stars4 stars
Get Your Rates Quote Now

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 Probability
Insurance Coverage CategoryLoss Rate
Collision-11%
Property Damage-2%
Comprehensive-16%
Personal Injury38%
Medical Payment38%
Bodily Injury18%
Get Your Rates Quote Now

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:

  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

Rates by Driver Age

Kia Soul Insurance Rates by Driver Age
Driver Age Premium
16 $4,916
20 $3,030
30 $1,376
40 $1,324
50 $1,208
60 $1,182

Full coverage, $500 deductibles

Rates by Deductible

Kia Soul Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,662
$250 $1,506
$500 $1,324
$1,000 $1,148

Full coverage, driver age 40

Rates by Liability Limit

Kia Soul Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,324
50/100 $1,444
100/300 $1,542
250/500 $1,795
100 CSL $1,483
300 CSL $1,698
500 CSL $1,854

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Soul Insurance Rates for High Risk Drivers
Age Premium
16 $7,002
20 $4,816
30 $2,904
40 $2,844
50 $2,712
60 $2,688

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 $180

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $95
5-yr Claim Free $84
Paid in Full/EFT $59
Advance Quote $64
Online Quote $93
Total Discounts $552
Rate after discounts $772

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

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