Kia Soul EV Insurance Rates

Average auto insurance rates for a Kia Soul EV are $1,218 annually for full coverage insurance. Comprehensive insurance costs an estimated $232 each year, collision insurance costs $368, and liability insurance costs around $460. A liability-only policy costs as low as $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:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Soul EV models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.

These examples illustrate why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.

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

More Rate Details

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

• The best discount rate is $717
• Using higher $1,000 deductibles will save approximately $136 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,218
• Using low deductibles for physical damage coverage costs an additional $264 a year
• Drivers who are prone to accidents and violations could pay up to $2,632
• The cost with full coverage for a teen driver can cost as much as $4,716 or more

View Chart as Image

Insurance rates for a Kia Soul EV can also vary considerably based on the trim level of your Soul EV, your risk profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $400 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Kia Soul EV insurance rates. A driver around age 40 might see rates as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,650 on average in Florida, New York, and Michigan.

View Chart as Image

How to Buy the Best Cheap Kia Soul EV Insurance

Saving money on Kia Soul EV insurance requires being a good driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a quick review of the data covered in the charts and tables above.

• Drivers who want an increased level of liability coverage will pay an extra $510 annually to increase from a minimum limit to higher 250/500 limits
• It is possible to save approximately $140 per year just by quoting online in advance
• Increasing deductibles could save up to $400 each year
• Drivers age 16 to 20 are charged the highest rates, costing up to $393 per month including comprehensive and collision insurance