Kia Soul EV Insurance Rates
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UPDATED: Apr 6, 2024
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U.S. average insurance rates for a Kia Soul EV are $1,266 a year with full coverage. Comprehensive insurance costs around $248, collision costs $400, and liability coverage is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,736 or more. Teenage drivers pay the highest rates at $4,866 a year or more.
Average premium for full coverage: $1,266
Price estimates for individual coverage:
Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Soul EV trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Kia Soul EV insurance prices go from as low as $510 for just the minimum liability insurance to a much higher rate of $2,736 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using average rates.
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 Analysis
The chart below details estimated Kia Soul EV insurance rates for additional coverage choices and driver risks.
- The best discount rate is $743
- Raising to $1,000 deductibles will save about $146 annually
- The average rate for the average middle-age driver using $500 deductibles is $1,266
- Using more expensive low deductibles will cost an extra $284 each year
- Unlucky drivers who are prone to accidents and violations could pay at least $2,736 or more
- The price for full coverage for a teenage driver with full coverage can be $4,866
Insurance prices for a Kia Soul EV are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age
The state you live in also has a big influence on Kia Soul EV insurance rates. A middle-age driver might find prices as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles can reduce prices by up to $430 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the best way to find out your exact price is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices may be quite different from one company to the next.
| 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 the Best Kia Soul EV Insurance
Getting lower rates on auto insurance consists of being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least every other year by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
Below is a brief recap of the car insurance concepts raised in the charts and tables above.
- Drivers who tend to receive serious violations pay an average of $1,470 more every year for auto insurance
- You may be able to save up to $150 per year simply by shopping early and online
- Increasing physical damage deductibles can save around $425 each year
- Consumers who may need higher levels of liability will pay an extra $510 every year to raise from a low limit to 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,550 |
| $250 | $1,420 |
| $500 | $1,266 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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