Kia Soul EV Insurance Rates

The average insurance rates for a Kia Soul EV are $1,266 a year for full coverage. Comprehensive costs around $248 each year, collision insurance costs $400, and liability insurance is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,736. Teen drivers cost the most to insure at up to $4,866 a year.

Average premium for full coverage: $1,266

Policy rates for type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Soul EV models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance rates.

The examples above show why all drivers should compare rates quotes for a specific zip code, rather than relying on price averages.

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

Additional Rate Details

The chart below shows average Kia Soul EV insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $743
• Raising to $1,000 deductibles will save about $146 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,266
• Choosing low deductibles bumps up the cost to $1,550
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,736
• Policy cost that insures a teen driver can be $4,866

View Chart as Image

Insurance rates for a Kia Soul EV also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age

Your home state also has a big influence on Kia Soul EV insurance rates. A middle-age driver might find rates as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,810 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce rates by up to $430 each year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

How to Find Cheaper Kia Soul EV Insurance

Finding cheaper rates on Kia Soul EV insurance consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around every year by requesting rates from direct carriers, and also from several local insurance agents.

The items below are a condensed summary of the coverage data touched on in the above illustrations.

• Drivers can save up to $150 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Teen drivers are charged the highest rates, costing up to $406 each month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents pay on average $1,470 more every year to insure their Soul EV