Kia Soul EV Insurance Rates

U.S. average insurance rates for a Kia Soul EV are $1,192 a year for full coverage. Comprehensive costs an estimated $224, collision insurance costs $346, and liability coverage is estimated at $464. A policy with just liability insurance costs approximately $514 a year, and coverage for high-risk drivers costs around $2,574. Teens pay the highest rates at up to $4,634 a year.

Average premium for full coverage: $1,192

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Soul EV trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how location impacts insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Kia Soul EV insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $704
• Choosing higher $1,000 deductibles can save approximately $130 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,192
• Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,442
• Drivers with serious driving violations could pay up to $2,574
• The price for full coverage for a teenage driver with full coverage can cost as much as $4,634 each year

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Insurance prices for a Kia Soul EV are also quite variable based on your driving record, the trim level of your Soul EV, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay at least $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Kia Soul EV insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,700 on average in New York, Louisiana, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles can save as much as $380 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance ranges around 43% to 131% more than the average policy. View High Risk Driver Rates

How to Find the Best Kia Soul EV Insurance

Getting lower rates on auto insurance takes being safe and accident-free, maintaining good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around at least every other year by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a brief recap of the car insurance concepts touched on above.

• Drivers who tend to receive serious violations pay an average of $1,380 more annually than a low-risk driver
• Drivers can save approximately $140 per year just by shopping early and online
• Increasing physical damage deductibles can save around $375 each year
• Consumers who want more liability protection will pay approximately $510 each year to raise limits from a low limit to 250/500 limits