Kia Soul Insurance Rates [List of Money Saving Tips]

Average Kia Soul auto insurance rates cost $1,338 a year, or around $112 a month. Good drivers can save as much as $2,064 a year over higher risk drivers.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 2020

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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

Kia Soul car insurance rates cost $181 less than the average vehicle. This is great news if you are just beginning your search for an affordable policy.

You should also be aware that some of the determining factors that influence Kia Soul insurance rates include the safety features of the model, age of the vehicle, and your personal driving record.

We are going to explore all of these topics and more to help you in your search for cheap Kia Soul rates.

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 auto 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 FIAT 500L and Toyota Yaris.

Vehicle Comprehensive Collision Liability Total
Kia Soul $308 $500 $372 $1,338
FIAT 500L $256 $478 $450 $1,364
Toyota Yaris $256 $478 $398 $1,290
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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 can impact the total price you will pay for Kia Soul car 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
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Driver Age

Driver age can have a significant impact on the cost of Kia Soul auto insurance. For example, 20-year-old drivers pay approximately $1,636 each year for their Kia Soul auto insurance than 30-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 the cost of Kia Soul auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Kia Soul car insurance with violations on their driving record.

Kia Soul Safety Ratings

Your Kia Soul car insurance rates are tied to the safety ratings of the Kia Soul. See the breakdown 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
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Kia Soul Crash Test Ratings

Not only do good Kia Soul crash test ratings mean you are better protected in a crash, but good Kia Soul crash ratings also mean cheaper insurance rates.

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
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Kia Soul Safety Features

Good Kia Soul safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Kia Soul are:

  • 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 affects Kia Soul car 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
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Kia Soul Finance and Insurance Cost

If you are financing a Kia Soul, you will pay more if you purchase Kia Soul car insurance at the dealership, so be sure to shop around and compare Kia Soul car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Kia Soul Insurance

There are many ways that you can save on Kia Soul car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Kia Soul car insurance rates low.

  • Ask About Farm and Ranch Vehicle Discounts
  • Compare Insurance Companies After Moving
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Understand the Different Types of Auto Insurance for Your Kia Soul
  • Understand that Insurance Companies Can’t Change Your Kia Soul Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score

Top Kia Soul Insurance Companies

Who is the best 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 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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Compare Free Kia Soul Insurance Quotes Online

To start comparing Kia Soul car insurance quotes for free, use our online car insurance comparison tool.

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Average Monthly Car Insurance Rates by State