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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Estimated insurance rates for a Kia Soul EV are $1,192 a year for full coverage insurance. Comprehensive insurance costs an estimated $224 each year, collision costs $346, and liability insurance costs $464. Liability-only insurance costs as little as $514 a year, with high-risk driver insurance costing $2,574 or more. Teens pay the most at $4,634 a year or more.
Average premium for full coverage: $1,192
Premium estimates broken down by type of coverage:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Soul EV models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Kia Soul EV go from as low as $514 for your basic liability-only policy to a high rate of $2,574 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on insurance prices.
These rate differences illustrate why all drivers should compare rates for a targeted area and risk profile, rather than relying on averaged prices.
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.
More Rate Information
The chart below illustrates estimated Kia Soul EV insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $704
- Drivers who choose higher $1,000 deductibles will pay approximately $130 each year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,192
- Selecting low deductibles for comprehensive and collision insurance will cost an extra $250 a year
- High risk drivers with serious driving violations could pay up to $2,574 or more
- An auto insurance policy for full coverage for a teen driver can cost as much as $4,634 a year
Insurance prices for a Kia Soul EV also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $4,600 a year. View Rates by Age
Where you choose to live makes a big difference in Kia Soul EV insurance rates. A 40-year-old driver could pay as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,610 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $380 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $417 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every company calculates prices differently, and prices will be substantially different from one company to the next.
| 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 Find the Best Cheap Kia Soul EV Insurance
Finding better rates on Kia Soul EV insurance not only requires being a good driver, but also having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a quick review of the concepts that were touched on in this article.
- High-risk drivers with a DUI or reckless driving violation pay on average $1,380 more annually than a safer driver
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $386 per month including comprehensive and collision insurance
- It is possible to save approximately $140 per year simply by quoting online in advance
- Increasing policy deductibles can save around $375 each year
- It is possible to save approximately $140 per year simply by quoting online in advance
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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