Best Kia Soul Car Insurance Quotes (2024)
Car insurance for a Kia Soul averages $112/mo or $1,344/yr for full coverage and $407.50/mo or $4,854/yr for teen drivers. Factors such as good safety and crash test ratings allow Kia Soul car insurance rates to be lower than most. The top car insurance companies for a Kia Soul include State Farm, GEICO, and Progressive.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Apr 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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
- The 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
Finding the right car insurance is often a difficult task. With so many car insurance companies and policies, the process of narrowing down the available options to protect your wheels is overwhelming.
The best way to make car insurance shopping easier is to compare car insurance companies and their policies, such as in this review for the best car insurance for a Kia Soul.
Kia Soul car insurance rates are around $181 less annually than the average vehicle with full coverage costing around $1,338 a year or $112 a month. Owners of an older Kia Soul may choose to get liability coverage only which costs around $536 a year or $45 a month.
Good drivers can save up to $552 a year in policy discounts for staying safe out on the roadway. Let’s take a closer look at Kia Soul insurance rates, safety ratings, and more.
If you’re ready to compare the best car insurance for a Kia Soul, just enter your ZIP code into our free comparison tool. Get started today.
What is the cost of Kia Soul insurance?
The average car insurance for a Kia Soul costs $1,338 a year or $112 a month.
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Are Kia Souls expensive to insure compared to other vehicles?
The chart below details how the price to insure a Kia Soul compares 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 |
However, there are a few things you can do to find the cheapest Kia insurance rates online.
What impacts Kia Soul insurance rates?
You might have noticed that there is a multitude of factors that impact Kia Soul car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Kia Soul.
Age of the Vehicle
The average Kia Soul car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Kia Soul are $1,338, while 2010 Kia Soul rates 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, a 20-year-old driver could pay around $136 more each month for his or her Kia Soul car insurance than a 30-year-old driver.
Driver Location
Where you live can have a large impact on Kia Soul insurance rates. For example, drivers in Phoenix may pay $736 a year less than drivers in Los Angeles.
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 the highest jump in their Kia Soul auto insurance rates with violations on their driving record.
What are the Kia Soul’s safety ratings?
Your Kia Soul auto insurance rates are tied to the Kia Soul’s safety ratings. See the breakdown from the Insurance Institute for Highway Safety 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
Not only do good Kia Soul crash ratings mean you are better protected in a crash, but a good Kia Soul crash rating, such as the following from the National Highway Traffic Safety Administration (NHTSA), also means 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 | ||||
|---|---|---|---|---|
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
The lower percentage means lower Kia Soul car insurance costs; higher percentages mean higher Kia Soul car insurance costs. Compare the following Kia Soul auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
| 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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What are the finance and insurance costs of a Kia Soul?
If you are financing a Kia Soul, most lenders will require you to carry higher Kia Soul coverage options, including comprehensive coverage.
Before purchasing a new policy, it is also beneficial for you to understand the regulations for car insurance by state to get an idea of what is required.
Be sure to shop around and compare Kia Soul car insurance quotes from the best companies using our free tool below.
What are some 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:
- Ask about Kia Soul discounts if you were listed on someone else’s policy to help you bring the price down
- Understand the different types of auto insurance for your Kia Soul
- Consider using a tracking device on your Kia Soul, and save based on your good driving habits
- Improve your credit score, which helps you get a lower price in some locations
- Ask your insurance company about Kia Soul discounts
What are the top Kia Soul insurance companies?
Which is the best company for Kia Soul insurance rates? While the actual rates you pay will depend on many factors the Insurance Information Institute provides some of the top companies that offer Kia Soul insurance coverage ordered by market share.
| 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 | |||
Many of these companies offer discounts for security systems and other safety features that the Kia Soul offers.
While you search for the best insurance for a Kia Soul, it’s important to research the insurance companies that offer coverage for it. Reading company reviews, such as our State Farm insurance review and reviews for the other companies listed above is a great place to start.
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What’s the bottom line?
Kia Souls are not the most expensive cars to insure, but they are also not the cheapest. Researching the discounts available to you will be beneficial in keeping your premiums at a reasonable rate.
If you’re looking to insure a Kia Soul, it is a good idea to start shopping by comparing multiple companies that offer insurance for Kia Souls.
If you’re ready to buy the best car insurance for a Kia Soul, use our online comparison tool for free, instant car insurance quotes from companies in your area.
Frequently Asked Questions
What factors should I consider when looking for the best car insurance quotes for a Kia Soul?
When searching for the best car insurance quotes for your Kia Soul, consider the following factors:
- Coverage options: Evaluate the coverage types and limits offered by different insurance providers to ensure they meet your needs.
- Deductibles: Check the deductible amounts and choose one that fits your budget and preferences.
- Insurance premiums: Compare the premium rates provided by various insurers for similar coverage to find the most affordable option.
- Discounts: Inquire about available discounts such as multi-policy, safe driving, or vehicle safety features that can help reduce your insurance costs.
- Customer service and reputation: Research the insurer’s customer service record and overall reputation to ensure they provide prompt and reliable assistance.
How can I find the best car insurance quotes for my Kia Soul?
To find the best car insurance quotes for your Kia Soul, consider the following steps:
- Shop around: Obtain quotes from multiple insurance companies to compare rates and coverage options.
- Online comparison tools: Utilize online platforms that allow you to compare quotes from different insurers easily.
- Consult with insurance agents: Speak with independent insurance agents who can help you explore various options and find the best coverage for your needs.
- Research customer reviews: Read reviews and feedback from customers to get insights into an insurer’s reliability and customer service.
- Consider bundled policies: Check if bundling your car insurance with other insurance policies like home or renters insurance can provide additional discounts.
Are there any specific considerations when insuring a Kia Soul?
While insuring a Kia Soul is similar to insuring any other car, there are a few factors worth considering:
- Safety features: Kia Souls often come equipped with advanced safety features. Notify your insurance provider about these features, as they might qualify you for discounts.
- Model year: The model year of your Kia Soul may affect the insurance premium. Newer models tend to have higher values, which can result in higher premiums.
- Usage and mileage: If you drive your Kia Soul extensively or for business purposes, it may impact your insurance rates. Be transparent with your insurer about your vehicle usage to ensure appropriate coverage.
What types of coverage do I need for my Kia Soul?
The necessary types of coverage for your Kia Soul typically include:
- Liability coverage: This coverage is usually mandatory and pays for damages and injuries you cause to others in an accident.
- Collision coverage: It covers repairs or replacement costs for your Kia Soul if it’s damaged in a collision.
- Comprehensive coverage: This coverage protects your Kia Soul from non-collision incidents like theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: This coverage helps cover your expenses if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.