Kia Soul EV Insurance Rates

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UPDATED: Apr 6, 2024

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Average auto insurance rates for a Kia Soul EV are $1,218 annually for full coverage. Comprehensive insurance costs an estimated $232, collision costs $368, and liability is estimated at $460. A policy with just liability insurance costs approximately $510 a year, with coverage for high-risk drivers costing $2,632 or more. 16-year-old drivers receive the highest rates at $4,716 a year or more.

Average premium for full coverage: $1,218

Rate estimates broken down by individual coverage type:

Comprehensive $232
Collision $368
Liability $460

Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Soul EV models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as cheap as $510 for your basic liability-only policy to the much higher price of $2,632 for a driver who has had serious violations or accidents.

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

Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than congested cities.

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

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

These examples show why everyone should get quotes for a targeted area and their own personal driving habits, 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.

More Rate Information

The chart below shows estimated Kia Soul EV insurance rates for other coverage scenarios.

  • The best full coverage rate is $717
  • Choosing higher $1,000 deductibles can save approximately $136 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,218
  • Buying pricier low deductibles for comp and collision coverage costs an additional $264 annually
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,632 or more
  • The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,716 each year

View Chart as Image

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

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared 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 could be paying $1,400 to $2,000 additional per year, depending on your age. Kia Soul EV insurance for high-risk drivers ranges from 42% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $400 annually, whereas buying more liability protection will increase premiums. 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 plays a big part in determining prices for Kia Soul EV insurance prices. A good driver about age 40 could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or at least $1,740 on average in New York, Louisiana, and Michigan.

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

With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and rates can be significantly different between companies.

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 Buy the Best Kia Soul EV Insurance

Saving money on insurance for a Kia Soul EV takes not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Make time to compare rates every other policy renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a brief recap of the ideas that were touched on in this article.

  • Teens are expensive to insure, costing as high as $393 per month if they have full coverage
  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,410 more annually for Soul EV insurance
  • Increasing deductibles could save up to $400 each year
  • Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date

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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