Kia Soul EV Insurance Rates

Average auto insurance rates for a Kia Soul EV are $1,218 annually for full coverage. Comprehensive insurance costs approximately $232 a year, collision costs $368, and liability insurance costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing $2,632 or more. Teenage 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:

Price estimates include $500 deductibles, split liability limits of 30/60, and includes uninsured motorist coverage. Rates are averaged for all states and Soul EV trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance prices.

These examples show why it is important to compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

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

Insurance Rate Analysis

The chart below shows estimated Kia Soul EV insurance rates for additional coverage and risk scenarios.

• The best discount rate is $717
• Drivers who choose higher $1,000 deductibles will pay $1,082 a year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,218
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $264 a year
• High risk drivers who are prone to accidents and violations could pay around $2,632 or more
• The cost with full coverage for a teen driver can cost $4,716 a year

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 driver profile, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $400 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Kia Soul EV insurance rates. A 40-year-old driver 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.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, and rates can be significantly different between companies.

How to Buy Cheaper Kia Soul EV Insurance

Saving money on Kia Soul EV insurance not only requires being a safe driver, but also having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Make time to compare rates at least once a year by getting quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.

Here is a condensed summary of the primary concepts that were touched on in this article.

• Drivers can save around $140 per year simply by quoting early and online
• High-risk drivers with multiple at-fault accidents pay on average $1,410 more per year for insurance
• Increasing deductibles could save up to $400 each year
• Young drivers are the costliest to insure, costing as high as $393 per month if they have full coverage