Buy Cheap Kia Soul Auto Insurance in 2024
Average Kia Soul car insurance rates cost $112 per month ($1,338 per year). On average, comprehensive coverage costs $326, collision coverage costs $476, and liability coverage costs $378 for Kia Soul insurance.
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Chris Abrams
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Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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UPDATED: Jul 15, 2021
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Key takeaways:
- Full coverage costs around $1,338 a year or $112 each month
- A liability-only policy costs around $536 a year or $45 each month
- Highest rates are for teenage drivers at around $4,890 a year or $408 each month
- Good drivers can save as much as $552 a year by earning policy discounts
- Kia Soul insurance costs around $181 less per year than the average vehicle
It is possible to find economical Kia Soul insurance rates. Kia Soul insurance costs around $181 less per year than the average vehicle. Our guide breaks down insurance rates for a Kia Soul so that drivers can find savings. Learn more.
You can start comparing quotes for Kia Soul car insurance rates from some of the best car insurance companies by using our free online tool now.
Kia Soul Insurance Cost
The average Kia Soul car insurance costs are $1,338 a year or $112 a month.
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Are Kia Souls Expensive to Insure?
The chart below details how Kia Soul insurance rates compare to other hatchbacks like the Toyota Yaris and FIAT 500L.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Kia Soul | $308 | $500 | $372 | $1,338 |
| Toyota Yaris | $256 | $478 | $398 | $1,290 |
| FIAT 500L | $256 | $478 | $450 | $1,364 |
However, there are a few things you can do to find the cheapest Kia insurance rates online.
What Impacts the Cost of Kia Soul Insurance?
The Kia Soul trim and model you choose will affect the total price you will pay for Kia Soul insurance coverage.
Age of the Vehicle
The average Kia Soul car insurance rates are higher for newer models. For example, car insurance for a 2020 Kia Soul costs $1,338, while 2010 Kia Soul insurance costs are $1,112, a difference of $226.
| Model Year | Comprehensive | Collision | Liability | Total |
| 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 |
Driver Age
Driver age can have a significant effect on the cost of Kia Soul car insurance. For example, 30-year-old drivers pay approximately $59 more for their Kia Soul car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Kia Soul insurance rates. For example, drivers in New York may pay $816 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on your Kia Soul auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Kia Soul car insurance with violations on their driving record.
Kia Soul Safety Ratings
The Kia Soul’s safety ratings will affect your Kia Soul auto insurance rates. See the chart below:
| Test Type | Rating |
| 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 |
| Source: Insurance Institute for Highway Safety | |
Kia Soul Crash Test Ratings
Kia Soul crash test ratings can impact the cost of your Kia Soul car insurance. See Kia Soul crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Kia Soul SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Kia Soul Electric SUV FWD | N/R | N/R | N/R | N/R |
| 2019 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Kia Soul EV SUV FWD | N/R | N/R | N/R | N/R |
| 2018 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Kia Soul EV SUV FWD | N/R | N/R | N/R | N/R |
| 2017 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Kia Soul EV SUV FWD | N/R | N/R | N/R | N/R |
| 2016 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Kia Soul Ev SUV FWD | N/R | N/R | N/R | N/R |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Kia Soul Safety Features
The more safety features you have on your Kia Soul, the more likely it is that you can earn a discount. The Kia Soul’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
Kia Soul Insurance Loss Probability
Another contributing factor that plays a direct role in Kia Soul insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | -11% |
|---|---|
| Property Damage | -2% |
| Comprehensive | -16% |
| Personal Injury | 38% |
| Medical Payment | 38% |
| Bodily Injury | 18% |
| Source: Insurance Institute for Highway Safety | |
Kia Soul Finance and Insurance Cost
If you are financing a Kia Soul, most lenders will require your carry higher Kia Soul coverage options including comprehensive coverage, so be sure to shop around and compare Kia Soul auto insurance rates from the best companies using our FREE tool below.
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Ways to Save on Kia Soul Insurance
There are several ways you can save even more on your Kia Soul car insurance rates. Take a look at the following five tips:
- Park Your Kia Soul Somewhere Safe – like a Garage or Private Driveway
- Ask About Kia Soul Safety Discounts
- Don’t Skimp On Kia Soul Liability Coverage
- Tell Your Insurer How You Use Your Kia Soul
- Pay Your Kia Soul Insurance Upfront
Top Kia Soul Insurance Companies
Who is the best auto insurance company for Kia Soul insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Kia Soul auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Kia Soul offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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