Kia Soul EV Insurance Rates

Average insurance prices for a Kia Soul EV are $1,218 every 12 months for full coverage. Comprehensive insurance costs an estimated $232 a year, collision insurance costs $368, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $2,632 or more. Teenage drivers receive the highest rates at up to $4,716 a year.

Average premium for full coverage: $1,218

Rate estimates broken down by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Soul EV trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

These examples show why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $717
• Choosing higher $1,000 deductibles can save approximately $1,082 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,218
• Using low $100 deductibles for comp and collision coverage costs an extra $264 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,632
• The cost to insure a 16-year-old driver can cost as much as $4,716 each year

View Chart as Image

Insurance rates for a Kia Soul EV can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $400 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 128% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Kia Soul EV insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,740 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Cheap Kia Soul EV Insurance

Saving money on insurance for a Kia Soul EV takes having a decent driving record, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest time comparing rates at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,410 more annually than a driver with a clean driving record
• Drivers can save approximately $140 per year just by quoting early and online
• Increasing deductibles could save as much as $400 each year
• Insureds who want additional liability coverage will pay an extra $510 each year to raise limits from a minimum limit to a 250/500 level