Kia Soul EV Insurance Rates

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UPDATED: Apr 6, 2024

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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:

Comprehensive $232
Collision $368
Liability $460

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

For a driver in their 40's, prices range range from the cheapest price of $510 for basic liability insurance to a high of $2,632 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,218
High Risk $2,632

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.

Rural Areas $914
Small Cities $1,279
Large Cities $1,644

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

Kia Soul EV insurance cost comparison chart
Column chart showing Kia Soul EV insurance prices range from $717 to $4,716 for full coverage

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.

Kia Soul EV Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,102 -$116 -9.5%
Alaska $934 -$284 -23.3%
Arizona $1,014 -$204 -16.7%
Arkansas $1,218 -$0 0.0%
California $1,390 $172 14.1%
Colorado $1,166 -$52 -4.3%
Connecticut $1,254 $36 3.0%
Delaware $1,380 $162 13.3%
Florida $1,524 $306 25.1%
Georgia $1,124 -$94 -7.7%
Hawaii $876 -$342 -28.1%
Idaho $826 -$392 -32.2%
Illinois $908 -$310 -25.5%
Indiana $918 -$300 -24.6%
Iowa $822 -$396 -32.5%
Kansas $1,158 -$60 -4.9%
Kentucky $1,664 $446 36.6%
Louisiana $1,804 $586 48.1%
Maine $754 -$464 -38.1%
Maryland $1,006 -$212 -17.4%
Massachusetts $976 -$242 -19.9%
Michigan $2,118 $900 73.9%
Minnesota $1,020 -$198 -16.3%
Mississippi $1,460 $242 19.9%
Missouri $1,080 -$138 -11.3%
Montana $1,310 $92 7.6%
Nebraska $962 -$256 -21.0%
Nevada $1,462 $244 20.0%
New Hampshire $880 -$338 -27.8%
New Jersey $1,364 $146 12.0%
New Mexico $1,080 -$138 -11.3%
New York $1,284 $66 5.4%
North Carolina $702 -$516 -42.4%
North Dakota $998 -$220 -18.1%
Ohio $842 -$376 -30.9%
Oklahoma $1,252 $34 2.8%
Oregon $1,118 -$100 -8.2%
Pennsylvania $1,164 -$54 -4.4%
Rhode Island $1,628 $410 33.7%
South Carolina $1,104 -$114 -9.4%
South Dakota $1,028 -$190 -15.6%
Tennessee $1,068 -$150 -12.3%
Texas $1,470 $252 20.7%
Utah $902 -$316 -25.9%
Vermont $834 -$384 -31.5%
Virginia $730 -$488 -40.1%
Washington $944 -$274 -22.5%
West Virginia $1,118 -$100 -8.2%
Wisconsin $844 -$374 -30.7%
Wyoming $1,088 -$130 -10.7%

View Chart as Image

Kia Soul EV insurance rates by U.S. city
Kia Soul EV Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Kia Soul EV $248 $400 $460 $1,266
2016 Kia Soul EV $232 $368 $460 $1,218
2015 Kia Soul EV $224 $346 $464 $1,192

Rates are averaged for all Kia Soul EV models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

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

Rates by Driver Age

Kia Soul EV Insurance Rates by Driver Age
Driver Age Premium
16 $4,716
20 $2,800
30 $1,256
40 $1,218
50 $1,116
60 $1,094

Full coverage, $500 deductibles

Rates by Deductible

Kia Soul EV Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,482
$250 $1,360
$500 $1,218
$1,000 $1,082

Full coverage, driver age 40

Rates by Liability Limit

Kia Soul EV Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,218
50/100 $1,310
100/300 $1,425
250/500 $1,724
100 CSL $1,356
300 CSL $1,609
500 CSL $1,793

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Soul EV Insurance Rates for High Risk Drivers
Age Premium
16 $6,688
20 $4,460
30 $2,674
40 $2,632
50 $2,516
60 $2,492

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $78
Paid in Full/EFT $50
Advance Quote $57
Online Quote $85
Total Discounts $501
Rate after discounts $717

Discounts are estimated and may not be available from every company or in every state.

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