Kia Soul Auto Insurance (2024)
Kia Soul insurance rates cost $112 per month ($1,338 per year) on average. On average, Kia Soul comprehensive insurance coverage costs $326, collision coverage costs $476, and liability coverage costs $378.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jul 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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
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 insurance rates are $181 cheaper than the average vehicle. Full coverage costs $112 per month and liability-only coverage costs $45. You can save up to $552 per year through policy discounts if you’re a good driver. Continue reading to learn how you can save money on Kia Soul insurance rates.
You can start comparing quotes for Kia Soul insurance rates from some of the best auto 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 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.
Read more: Fiat Auto Insurance
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 insurance coverage.
Age of the Vehicle
Older Kia Soul models generally cost less to insure. For example, auto 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 Kia Soul insurance rates. For example, 20-year-old drivers pay $1,636 more for their Kia Soul auto insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Kia Soul insurance rates. For example, drivers in Jacksonville may pay $803 a year more than drivers in Indianapolis.
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 auto 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
Poor Kia Soul crash test ratings could mean higher Kia Soul 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
Having a variety of safety features on your Kia Soul can help lower your insurance costs. According to AutoBlog, the 2020 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
The lower percentage means lower Kia Soul auto insurance costs; higher percentages mean higher Kia Soul auto 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 | |
Kia Soul Finance and Insurance Cost
If you are financing a Kia Soul, most lenders will require your carry higher Kia Soul coverages including comprehensive coverage, so be sure to compare Kia Soul insurance rates from the best companies using our FREE tool below.
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5 Ways to Save on Kia Soul Insurance
Drivers can end up saving more money on their Kia Soul insurance rates by employing any one of the following strategies.
- Buy a Dashcam for Your Kia Soul
- Add a More Experienced Driver to Your Kia Soul Policy
- Consider Using a Tracking Device on Your Kia Soul
- Move to an Area with a Lower Cost of Living
- Ask About Student Discounts
Top Kia Soul Insurance Companies
Several top auto insurance companies offer competitive rates for the Kia Soul rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Kia Soul drivers organized 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 | |||
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Frequently Asked Questions
What is Kia Soul auto insurance?
Kia Soul auto insurance refers to the insurance coverage specifically designed for the Kia Soul compact car model. It provides financial protection in case of accidents, damages, theft, or other incidents involving the Kia Soul.
Is auto insurance mandatory for a Kia Soul?
Yes, auto insurance is mandatory for all vehicles, including the Kia Soul. The specific insurance requirements may vary depending on your location and local regulations. It’s important to comply with the legal requirements and have the necessary insurance coverage for your Kia Soul.
What types of coverage are available for Kia Soul auto insurance?
Kia Soul auto insurance typically offers a range of coverage options. These may include liability coverage (which is often required by law), collision coverage (for damages caused by collisions), comprehensive coverage (for non-collision-related damages like theft or vandalism), uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.
How can I find affordable auto insurance for my Kia Soul?
To find affordable auto insurance for your Kia Soul, it’s recommended to shop around and obtain quotes from multiple insurance providers. Factors such as your driving record, age, location, and the coverage options you choose can affect the cost of insurance. Comparing quotes, considering available discounts, and maintaining a good driving record can help you find more affordable rates.
Are there any discounts available specifically for Kia Soul auto insurance?
While specific discounts can vary among insurance providers, many companies offer discounts that may apply to Kia Soul auto insurance. These could include discounts for safety features installed in the Kia Soul, good driver discounts, multi-policy discounts (if you bundle your auto insurance with other policies), or loyalty discounts. It’s recommended to inquire about available discounts when obtaining insurance quotes.
Does the size or model year of the Kia Soul affect insurance rates?
The size and model year of the Kia Soul can potentially have an impact on insurance rates. Generally, smaller vehicles like compact cars tend to have lower insurance premiums due to factors such as lower repair costs and lower risk of causing significant damage in an accident. Newer model years may have higher insurance premiums due to the cost of replacement parts. However, the specific details can vary, so it’s best to consult with insurance providers to understand how these factors can impact your rates.
Can I use my Kia Soul auto insurance for business purposes?
The coverage provided by your Kia Soul auto insurance may have limitations when it comes to using the vehicle for business purposes. Personal auto insurance policies generally do not cover commercial use. If you intend to use your Kia Soul for business purposes, such as ridesharing or delivery services, you may need to explore commercial auto insurance options. It’s important to discuss your specific needs with your insurance provider to ensure you have the appropriate coverage.
What should I do if I need to file an auto insurance claim for my Kia Soul?
If you need to file an auto insurance claim for your Kia Soul, you should contact your insurance provider as soon as possible. They will guide you through the claims process and provide instructions on what information or documentation is required. Be prepared to provide details about the incident, such as the date, time, location, and any necessary supporting evidence, such as photographs or witness statements.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.