Kia Soul Insurance Rates
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UPDATED: Jun 6, 2023
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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 $1,248 annually including full coverage. Comprehensive insurance costs approximately $238 each year, collision insurance costs $400, and liability insurance costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs $2,698 or more. 16-year-old drivers pay the most at up to $4,804 a year.
Average premium for full coverage: $1,248
Premium estimates by type of coverage:
Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Soul models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Kia Soul range from as cheap as $504 for the bare minimum liability coverage to a high rate of $2,698 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change auto insurance prices.
These rate differences highlight why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on rate 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 Information
The chart below breaks down average Kia Soul insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $731
- Drivers who choose higher $1,000 deductibles will pay $144 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,248
- Buying low deductibles for comprehensive and collision insurance costs an additional $280 a year
- High risk drivers with multiple tickets or accidents could pay around $2,698
- An auto insurance policy with full coverage for a teen driver can cost $4,804 a year
Insurance prices for a Kia Soul also have a wide range based on the model of your Soul, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $430 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
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 Vermont, New Hampshire, and Missouri, or at least $1,780 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,130 | -$118 | -9.5% |
Alaska | $956 | -$292 | -23.4% |
Arizona | $1,036 | -$212 | -17.0% |
Arkansas | $1,248 | -$0 | 0.0% |
California | $1,422 | $174 | 13.9% |
Colorado | $1,192 | -$56 | -4.5% |
Connecticut | $1,284 | $36 | 2.9% |
Delaware | $1,412 | $164 | 13.1% |
Florida | $1,562 | $314 | 25.2% |
Georgia | $1,152 | -$96 | -7.7% |
Hawaii | $896 | -$352 | -28.2% |
Idaho | $844 | -$404 | -32.4% |
Illinois | $930 | -$318 | -25.5% |
Indiana | $940 | -$308 | -24.7% |
Iowa | $842 | -$406 | -32.5% |
Kansas | $1,186 | -$62 | -5.0% |
Kentucky | $1,704 | $456 | 36.5% |
Louisiana | $1,848 | $600 | 48.1% |
Maine | $770 | -$478 | -38.3% |
Maryland | $1,028 | -$220 | -17.6% |
Massachusetts | $998 | -$250 | -20.0% |
Michigan | $2,168 | $920 | 73.7% |
Minnesota | $1,044 | -$204 | -16.3% |
Mississippi | $1,494 | $246 | 19.7% |
Missouri | $1,106 | -$142 | -11.4% |
Montana | $1,340 | $92 | 7.4% |
Nebraska | $984 | -$264 | -21.2% |
Nevada | $1,498 | $250 | 20.0% |
New Hampshire | $900 | -$348 | -27.9% |
New Jersey | $1,394 | $146 | 11.7% |
New Mexico | $1,106 | -$142 | -11.4% |
New York | $1,314 | $66 | 5.3% |
North Carolina | $720 | -$528 | -42.3% |
North Dakota | $1,024 | -$224 | -17.9% |
Ohio | $862 | -$386 | -30.9% |
Oklahoma | $1,280 | $32 | 2.6% |
Oregon | $1,142 | -$106 | -8.5% |
Pennsylvania | $1,192 | -$56 | -4.5% |
Rhode Island | $1,664 | $416 | 33.3% |
South Carolina | $1,130 | -$118 | -9.5% |
South Dakota | $1,054 | -$194 | -15.5% |
Tennessee | $1,092 | -$156 | -12.5% |
Texas | $1,506 | $258 | 20.7% |
Utah | $924 | -$324 | -26.0% |
Vermont | $856 | -$392 | -31.4% |
Virginia | $748 | -$500 | -40.1% |
Washington | $964 | -$284 | -22.8% |
West Virginia | $1,142 | -$106 | -8.5% |
Wisconsin | $864 | -$384 | -30.8% |
Wyoming | $1,112 | -$136 | -10.9% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Kia Soul | $1,202 | $100 |
Kia Soul Plus | $1,238 | $103 |
Kia Soul Exclaim | $1,284 | $107 |
Kia Soul Sport | $1,284 | $107 |
Rates assume 2018 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 |
---|---|---|---|---|
2018 Kia Soul | $238 | $400 | $452 | $1,248 |
2017 Kia Soul | $230 | $376 | $456 | $1,220 |
2016 Kia Soul | $220 | $338 | $460 | $1,176 |
2014 Kia Soul | $198 | $292 | $464 | $1,112 |
2013 Kia Soul | $194 | $272 | $474 | $1,098 |
2012 Kia Soul | $180 | $252 | $474 | $1,064 |
2010 Kia Soul | $162 | $210 | $474 | $1,004 |
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 the Right Kia Soul Insurance
Finding better rates on Kia Soul insurance not only requires avoiding accidents and claims, but also having good credit, refrain from filing small claims, and consideration of higher deductibles. Invest the time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The points below are a quick rundown of the data illustrated above.
- Drivers who purchase increased liability limits will pay around $500 per year to go from 30/60 bodily injury limits to higher 250/500 limits
- You may be able to save around $150 per year just by quoting online in advance
- Increasing policy deductibles could save up to $425 each year
- Drivers under the age of 20 are the costliest to insure, with the cost nearing $400 per month if they have full coverage
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.
Vehicle 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.
Insurance 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 | $4,804 |
20 | $2,874 |
30 | $1,288 |
40 | $1,248 |
50 | $1,142 |
60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,528 |
$250 | $1,400 |
$500 | $1,248 |
$1,000 | $1,104 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,248 |
50/100 | $1,374 |
100/300 | $1,487 |
250/500 | $1,781 |
100 CSL | $1,420 |
300 CSL | $1,668 |
500 CSL | $1,849 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,824 |
20 | $4,578 |
30 | $2,742 |
40 | $2,698 |
50 | $2,578 |
60 | $2,556 |
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 | $65 |
Multi-vehicle | $67 |
Homeowner | $20 |
5-yr Accident Free | $86 |
5-yr Claim Free | $80 |
Paid in Full/EFT | $53 |
Advance Quote | $59 |
Online Quote | $87 |
Total Discounts | $517 |
Discounts are estimated and may not be available from every company or in every state.
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