Kia Soul EV Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 6, 2024

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Average insurance rates for a Kia Soul EV are $1,218 a year for full coverage. Comprehensive costs on average $232 a year, collision costs $368, and liability costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing around $2,632. 16-year-old drivers receive the highest rates at $4,716 a year or more.

Average premium for full coverage: $1,218

Rate estimates by individual coverage type:

Comprehensive $232
Collision $368
Liability $460

Rate estimates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Soul EV trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from the low end price of $510 for minimum levels of liability insurance to a high of $2,632 for a driver required to buy high-risk insurance.

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

Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas tend to have lower incidents of accident claims than congested cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

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

These examples show why it is important to compare rates based on a specific location, instead of making a decision based on rate averages.

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.

Additional Rate Details

The chart below shows estimated Kia Soul EV insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $717
  • Drivers who choose higher $1,000 deductibles will pay around $1,082 a year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,218
  • Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,482
  • Drivers with multiple tickets or accidents could pay upwards of $2,632 or more
  • The cost that insures a 16-year-old driver may cost $4,716 a year

View Chart as Image

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

Auto insurance rates for a Kia Soul EV can also vary considerably based on the trim level of your Soul EV, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 42% to 128% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age

Where you live makes a big difference in Kia Soul EV insurance prices. A 40-year-old driver could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or at least $1,740 on average in Michigan, Louisiana, and New York.

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

Opting for high physical damage deductibles could save up to $400 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from multiple companies. Every company utilizes a different rate formula, and quoted rates can be significantly different.

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 Find the Best Kia Soul EV Insurance

Saving money on insurance for a Kia Soul EV not only requires not taking risks behind the wheel, but also maintaining a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Comparison shop at every policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a brief recap of the data raised in the charts and tables above.

  • Insureds who require higher liability limits will pay around $510 each year to go from a minimum limit to the 250/500 level
  • Drivers can save as much as $140 per year simply by quoting early and online
  • Increasing deductibles can save approximately $400 each year
  • Teens are charged the highest rates, costing as high as $393 per month if the policy includes full coverage

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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