Kia Soul EV Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 6, 2024
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U.S. average auto insurance rates for a Kia Soul EV are $1,192 annually with full coverage. Comprehensive insurance costs around $224, collision costs $346, and liability costs $464. Buying just liability costs as little as $514 a year, with insurance for high-risk drivers costing $2,574 or more. 16-year-old drivers pay the highest rates at $4,634 a year or more.
Average premium for full coverage: $1,192
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for different Soul EV trim levels.
Price Range from Low to High
For the normal driver, Kia Soul EV insurance prices go from as cheap as $514 for minimum levels of liability insurance to a much higher rate of $2,574 for a high-risk driver policy.
Geographic Price Range
Your location can have significant affects on insurance rates. Areas with sparse population have fewer collision claims than congested cities.
The price range example below illustrates how geographic area affects auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of using 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 details estimated Kia Soul EV insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $704
- Drivers who choose higher $1,000 deductibles will pay about $130 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,192
- Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $250 every year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,574 or more
- The price with full coverage for a teen driver with full coverage can be $4,634 a year
Insurance prices for a Kia Soul EV are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $4,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $380 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Kia Soul EV insurance prices. A 40-year-old driver could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or at least $1,610 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,078 | -$114 | -9.6% |
| Alaska | $914 | -$278 | -23.3% |
| Arizona | $990 | -$202 | -16.9% |
| Arkansas | $1,192 | -$0 | 0.0% |
| California | $1,360 | $168 | 14.1% |
| Colorado | $1,140 | -$52 | -4.4% |
| Connecticut | $1,226 | $34 | 2.9% |
| Delaware | $1,350 | $158 | 13.3% |
| Florida | $1,492 | $300 | 25.2% |
| Georgia | $1,100 | -$92 | -7.7% |
| Hawaii | $858 | -$334 | -28.0% |
| Idaho | $806 | -$386 | -32.4% |
| Illinois | $890 | -$302 | -25.3% |
| Indiana | $898 | -$294 | -24.7% |
| Iowa | $806 | -$386 | -32.4% |
| Kansas | $1,134 | -$58 | -4.9% |
| Kentucky | $1,628 | $436 | 36.6% |
| Louisiana | $1,766 | $574 | 48.2% |
| Maine | $736 | -$456 | -38.3% |
| Maryland | $984 | -$208 | -17.4% |
| Massachusetts | $956 | -$236 | -19.8% |
| Michigan | $2,072 | $880 | 73.8% |
| Minnesota | $998 | -$194 | -16.3% |
| Mississippi | $1,428 | $236 | 19.8% |
| Missouri | $1,058 | -$134 | -11.2% |
| Montana | $1,282 | $90 | 7.6% |
| Nebraska | $940 | -$252 | -21.1% |
| Nevada | $1,430 | $238 | 20.0% |
| New Hampshire | $858 | -$334 | -28.0% |
| New Jersey | $1,332 | $140 | 11.7% |
| New Mexico | $1,056 | -$136 | -11.4% |
| New York | $1,256 | $64 | 5.4% |
| North Carolina | $688 | -$504 | -42.3% |
| North Dakota | $976 | -$216 | -18.1% |
| Ohio | $822 | -$370 | -31.0% |
| Oklahoma | $1,224 | $32 | 2.7% |
| Oregon | $1,092 | -$100 | -8.4% |
| Pennsylvania | $1,138 | -$54 | -4.5% |
| Rhode Island | $1,592 | $400 | 33.6% |
| South Carolina | $1,080 | -$112 | -9.4% |
| South Dakota | $1,008 | -$184 | -15.4% |
| Tennessee | $1,044 | -$148 | -12.4% |
| Texas | $1,438 | $246 | 20.6% |
| Utah | $884 | -$308 | -25.8% |
| Vermont | $818 | -$374 | -31.4% |
| Virginia | $714 | -$478 | -40.1% |
| Washington | $922 | -$270 | -22.7% |
| West Virginia | $1,092 | -$100 | -8.4% |
| Wisconsin | $826 | -$366 | -30.7% |
| Wyoming | $1,064 | -$128 | -10.7% |
Since prices can be so different, the best way to find out your exact price is to compare prices and see which company has the best price. Every company utilizes a different rate formula, and prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Kia Soul EV | $232 | $368 | $460 | $1,218 |
| 2016 Kia Soul EV | $224 | $346 | $464 | $1,192 |
| 2015 Kia Soul EV | $220 | $322 | $474 | $1,174 |
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 Buy Cheaper Kia Soul EV Insurance
Getting lower rates on car insurance not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following list is a condensed summary of the information presented in the illustrations above.
- You may be able to save up to $140 per year simply by shopping early and online
- Drivers age 16 to 20 are charged the highest prices, costing up to $386 a month if they have full coverage
- Increasing physical damage deductibles could save up to $375 each year
- Higher risk drivers with multiple at-fault accidents may pay on average $1,380 more every year than a safer driver
- Policyholders who may need an increased level of liability coverage will pay around $510 every year to go from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,634 |
| 20 | $2,734 |
| 30 | $1,226 |
| 40 | $1,192 |
| 50 | $1,092 |
| 60 | $1,070 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,442 |
| $250 | $1,326 |
| $500 | $1,192 |
| $1,000 | $1,062 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,192 |
| 50/100 | $1,285 |
| 100/300 | $1,401 |
| 250/500 | $1,702 |
| 100 CSL | $1,331 |
| 300 CSL | $1,586 |
| 500 CSL | $1,772 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,568 |
| 20 | $4,358 |
| 30 | $2,612 |
| 40 | $2,574 |
| 50 | $2,458 |
| 60 | $2,434 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $62 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $80 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $83 |
| Total Discounts | $488 |
Discounts are estimated and may not be available from every company or in every state.
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