Kia Soul EV Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 6, 2024

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The average insurance rates for a Kia Soul EV are $1,266 a year for full coverage insurance. Comprehensive insurance costs approximately $248 a year, collision insurance costs $400, and liability costs around $460. Buying just liability costs as low as $510 a year, and insurance for high-risk drivers costs $2,736 or more. Teen drivers cost the most to insure at up to $4,866 a year.

Average premium for full coverage: $1,266

Policy rates by type of insurance:

Comprehensive $248
Collision $400
Liability $460

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Soul EV trim levels.

Price Range Variability

For the average 40-year-old driver, Kia Soul EV insurance rates range from the low end price of $510 for just liability insurance to a high of $2,736 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,266
High Risk $2,736

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $950
Small Cities $1,329
Large Cities $1,709

The examples above illustrate why it is important to compare prices using their specific location, instead of using price 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 Details

The chart below illustrates average Kia Soul EV insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $743
  • Using higher $1,000 deductibles will save $1,120 each year
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,266
  • Choosing low $100 deductibles for physical damage coverage will cost an additional $284 every year
  • Drivers with multiple violations and an at-fault accident could pay around $2,736
  • Policy cost that insures a teen driver can cost $4,866 or more

View Chart as Image

Kia Soul EV insurance cost comparison chart
Column chart showing Kia Soul EV insurance prices range from $743 to $4,866 for full coverage

Insurance rates for a Kia Soul EV also range considerably based on the trim level of your Soul EV, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,800 a year. View Rates by Age

Your home state has a huge impact on Kia Soul EV insurance prices. A driver around age 40 might see rates as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,710 on average in Florida, New York, and Michigan.

Kia Soul EV Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,146 -$120 -9.5%
Alaska $972 -$294 -23.2%
Arizona $1,052 -$214 -16.9%
Arkansas $1,266 -$0 0.0%
California $1,444 $178 14.1%
Colorado $1,212 -$54 -4.3%
Connecticut $1,304 $38 3.0%
Delaware $1,436 $170 13.4%
Florida $1,586 $320 25.3%
Georgia $1,170 -$96 -7.6%
Hawaii $910 -$356 -28.1%
Idaho $858 -$408 -32.2%
Illinois $944 -$322 -25.4%
Indiana $954 -$312 -24.6%
Iowa $854 -$412 -32.5%
Kansas $1,204 -$62 -4.9%
Kentucky $1,730 $464 36.7%
Louisiana $1,876 $610 48.2%
Maine $784 -$482 -38.1%
Maryland $1,046 -$220 -17.4%
Massachusetts $1,014 -$252 -19.9%
Michigan $2,202 $936 73.9%
Minnesota $1,062 -$204 -16.1%
Mississippi $1,518 $252 19.9%
Missouri $1,124 -$142 -11.2%
Montana $1,362 $96 7.6%
Nebraska $1,000 -$266 -21.0%
Nevada $1,520 $254 20.1%
New Hampshire $914 -$352 -27.8%
New Jersey $1,418 $152 12.0%
New Mexico $1,122 -$144 -11.4%
New York $1,336 $70 5.5%
North Carolina $730 -$536 -42.3%
North Dakota $1,038 -$228 -18.0%
Ohio $876 -$390 -30.8%
Oklahoma $1,304 $38 3.0%
Oregon $1,162 -$104 -8.2%
Pennsylvania $1,210 -$56 -4.4%
Rhode Island $1,692 $426 33.6%
South Carolina $1,148 -$118 -9.3%
South Dakota $1,070 -$196 -15.5%
Tennessee $1,110 -$156 -12.3%
Texas $1,528 $262 20.7%
Utah $938 -$328 -25.9%
Vermont $868 -$398 -31.4%
Virginia $760 -$506 -40.0%
Washington $982 -$284 -22.4%
West Virginia $1,162 -$104 -8.2%
Wisconsin $878 -$388 -30.6%
Wyoming $1,130 -$136 -10.7%

View Chart as Image

Kia Soul EV insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $430 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Kia Soul EV Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Kia Soul EV $260 $446 $456 $1,320
2016 Kia Soul EV $248 $400 $460 $1,266
2015 Kia Soul EV $232 $368 $460 $1,218

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 Cheaper Kia Soul EV Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, being claim-free, and possibly raising deductibles. Shop around every other policy renewal by requesting rates from direct insurance companies, and also from your local car insurance providers.

The items below are a condensed summary of the ideas that were touched on in this article.

  • Teen drivers are expensive to insure, possibly costing $406 each month if full coverage is included
  • Higher risk drivers with multiple at-fault accidents could be charged and average of $1,470 more per year to insure their Soul EV
  • Increasing comprehensive and collision deductibles can save approximately $425 each year
  • It is possible to save around $150 per year just by quoting early and online

Rates by Driver Age

Kia Soul EV Insurance Rates by Driver Age
Driver Age Premium
16 $4,866
20 $2,910
30 $1,310
40 $1,266
50 $1,160
60 $1,136

Full coverage, $500 deductibles

Rates by Deductible

Kia Soul EV Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,550
$250 $1,420
$500 $1,266
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Kia Soul EV Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,266
50/100 $1,358
100/300 $1,473
250/500 $1,772
100 CSL $1,404
300 CSL $1,657
500 CSL $1,841

Full coverage, driver age 40

Rates for High Risk Drivers

Kia Soul EV Insurance Rates for High Risk Drivers
Age Premium
16 $6,912
20 $4,638
30 $2,784
40 $2,736
50 $2,616
60 $2,592

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 $174

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $87
5-yr Claim Free $81
Paid in Full/EFT $53
Advance Quote $60
Online Quote $89
Total Discounts $523
Rate after discounts $743

Discounts are estimated and may not be available from every company or in every state.

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