Kia Soul EV Insurance Rates

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UPDATED: Apr 6, 2024

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Estimated insurance rates for a Kia Soul EV are $1,218 a year including full coverage. Comprehensive insurance costs around $232, collision costs $368, and liability is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,632 or more. Teens pay the most at $4,716 a year or more.

Average premium for full coverage: $1,218

Premium estimates for type of coverage:

Comprehensive $232
Collision $368
Liability $460

Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Soul EV models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Kia Soul EV go from the low end price of $510 for basic liability insurance to the much higher price of $2,632 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance rates.

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

These rate differences highlight why everyone should get quotes for a specific zip code, instead of making a decision based 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.

Rate Comparisons

The chart below breaks down estimated Kia Soul EV insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $717
  • Choosing higher $1,000 deductibles can save about $136 every year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,218
  • Selecting pricier low deductibles for comp and collision coverage will cost an additional $264 annually
  • Higher-risk drivers with serious driving violations could pay at least $2,632 or more
  • An auto insurance policy that insures a 16-year-old driver for full coverage can be $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 prices for a Kia Soul EV also have a wide range based on the model of your Soul EV, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,400 to $2,000 extra annually, depending on your age. Kia Soul EV insurance for high-risk drivers ranges from 42% to 128% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age

Where you choose to 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 $940 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,740 on average in Michigan, New York, and Louisiana.

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $400 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to regularly compare prices from multiple companies. Each auto insurer calculates prices differently, so the prices will be substantially different.

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 Find the Best Kia Soul EV Insurance

Finding better rates on insurance for a Kia Soul EV takes having a good driving record, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Compare rates every year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a brief recap of the coverage data touched on above.

  • You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $400 each year
  • Drivers age 20 and younger pay higher prices, with the cost nearing $393 per month if full coverage is included
  • Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,410 more every year to buy Kia Soul EV insurance

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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