What is the Best Car Insurance for a Kia Soul?

Kia Soul auto insurance rates are $112 a month, but 2020 Kia Soul insurance costs will be much more expensive. While State Farm and GEICO are the most popular companies for Kia Soul insurance coverage, you're likely to find the best Kia Soul insurance quotes when you comparison shop online before buying. Enter your ZIP code below to start comparing now.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 insurance rates are about $181 less per year than the average vehicle with full coverage costing around $1,338 a year or $112 a month. The highest rates are for teens who will pay around $4,890 a year or $408 a month.

Good drivers can save up to $552 a year in policy discounts. Let’s take a quick look at Kia Soul insurance rates, safety ratings, and 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 rates 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 will affect the total price you will pay for Kia Soul insurance coverage.

Age of the Vehicle

The average Kia Soul auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Kia Soul cost $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
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Driver Age

Driver age can have a significant effect on Kia Soul car insurance rates. As an example, a 30-year-old driver pays around $59 more each year for their Kia Soul car insurance than a 40-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 car 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.

Kia Soul Safety Ratings

Your Kia Soul car insurance rates are influenced by 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

If the Kia Soul crash test ratings are good, you could have lower Kia Soul car insurance rates. 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
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Kia Soul Safety Features

Having a variety of safety features on your Kia Soul can help lower your Kia Soul insurance costs. 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

The Kia Soul’s insurance loss probability varies for each form of coverage. The lower percentage means lower Kia Soul auto insurance rates; higher percentages mean higher Kia Soul car insurance rates.

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

You can save more money on your Kia Soul auto insurance rates by employing any of the following five strategies.

  • Remove Young Drivers from Your Kia Soul Insurance Plan
  • Buy a Dashcam for Your Kia Soul
  • Buy a Kia Soul with an Anti-Theft Device
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
  • Watch Your Insurer Closely When Your Kia Soul Needs Repairs

Top Kia Soul Insurance Companies

Who is the top 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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Compare Free Kia Soul Insurance Quotes Online

You can start comparing quotes for Kia Soul insurance from some of the top car insurance companies by using our free online tool today.

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