What is the Best Car Insurance for A Kia Soul?

Car insurance for a Kia Soul averages $112/mo or $1,344/yr for full coverage and $407.50/mo or $4,854/yr for teen drivers. Factors such as good safety and crash test ratings allow Kia Soul car insurance rates to be lower than most. The top car insurance companies for a Kia Soul include State Farm, GEICO, and Progressive.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 17, 2021

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The Highlights

  • Full coverage costs around $1,338 a year or $112 each month
  • A liability-only policy costs around $536 a year or $45 each month
  • The highest rates are for teenage drivers at around $4,890 a year or $408 each month
  • Good drivers can save as much as $552 a year by earning policy discounts
  • Kia Soul insurance costs around $181 less per year than the average vehicle

Finding the right car insurance is often a difficult task. With so many car insurance companies and policies, the process of narrowing down the available options to protect your wheels is overwhelming.

The best way to make car insurance shopping easier is to compare car insurance companies and their policies, such as in this review for the best car insurance for a Kia Soul.

Kia Soul car insurance rates are around $181 less annually than the average vehicle with full coverage costing around $1,338 a year or $112 a month. Owners of an older Kia Soul may choose to get liability coverage only which costs around $536 a year or $45 a month.

Good drivers can save up to $552 a year in policy discounts for staying safe out on the roadway. Let’s take a closer look at Kia Soul insurance rates, safety ratings, and more.

If you’re ready to compare the best car insurance for a Kia Soul, just enter your ZIP code into our free comparison tool. Get started today.

What is the cost of Kia Soul insurance?

The average car insurance for a Kia Soul costs $1,338 a year or $112 a month.

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Are Kia Souls expensive to insure compared to other vehicles?

The chart below details how the price to insure a Kia Soul compares to other hatchbacks like the FIAT 500L and Toyota Yaris.

Vehicle Comprehensive Collision Liability Total
Kia Soul $308 $500 $372 $1,338
FIAT 500L $256 $478 $450 $1,364
Toyota Yaris $256 $478 $398 $1,290
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However, there are a few things you can do to find the cheapest Kia insurance rates online.

What impacts Kia Soul insurance rates?

You might have noticed that there is a multitude of factors that impact Kia Soul car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Kia Soul.

Age of the Vehicle

The average Kia Soul car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Kia Soul are $1,338, while 2010 Kia Soul rates are $1,112, a difference of $226.

Model Year Comprehensive Collision Liability Total
2020 Kia Soul $308 $500 $372 $1,338
2019 Kia Soul $294 $482 $390 $1,324
2018 Kia Soul $282 $478 $398 $1,316
2017 Kia Soul $272 $466 $416 $1,312
2016 Kia Soul $262 $446 $430 $1,296
2015 Kia Soul $248 $430 $442 $1,278
2014 Kia Soul $238 $400 $452 $1,248
2013 Kia Soul $230 $376 $456 $1,220
2012 Kia Soul $220 $338 $460 $1,176
2011 Kia Soul $206 $310 $460 $1,134
2010 Kia Soul $198 $292 $464 $1,112
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Driver Age

Driver age can have a significant effect on the cost of Kia Soul car insurance. For example, a 20-year-old driver could pay around $136 more each month for his or her Kia Soul car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Kia Soul insurance rates. For example, drivers in Phoenix may pay $736 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Kia Soul auto insurance. Teens and drivers in their 20’s see the highest jump in their Kia Soul auto insurance rates with violations on their driving record.

What are the Kia Soul’s safety ratings?

Your Kia Soul auto insurance rates are tied to the Kia Soul’s safety ratings. See the breakdown from the Insurance Institute for Highway Safety below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Kia Soul Crash Test Ratings

Not only do good Kia Soul crash ratings mean you are better protected in a crash, but a good Kia Soul crash rating, such as the following from the National Highway Traffic Safety Administration (NHTSA), also means cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Kia Soul SUV FWD 4 stars 4 stars 5 stars 4 stars
2020 Kia Soul Electric SUV FWD N/R N/R N/R N/R
2019 Kia Soul SUV FWD 5 stars 5 stars 5 stars 4 stars
2019 Kia Soul EV SUV FWD N/R N/R N/R N/R
2018 Kia Soul SUV FWD 5 stars 5 stars 5 stars 4 stars
2018 Kia Soul EV SUV FWD N/R N/R N/R N/R
2017 Kia Soul SUV FWD 5 stars 5 stars 5 stars 4 stars
2017 Kia Soul EV SUV FWD N/R N/R N/R N/R
2016 Kia Soul SUV FWD 5 stars 5 stars 5 stars 4 stars
2016 Kia Soul Ev SUV FWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Kia Soul Safety Features

Good Kia Soul safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Kia Soul are:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control

Kia Soul Insurance Loss Probability

The lower percentage means lower Kia Soul car insurance costs; higher percentages mean higher Kia Soul car insurance costs. Compare the following Kia Soul auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

Insurance Coverage Category Loss Rate
Collision -11%
Property Damage -2%
Comprehensive -16%
Personal Injury 38%
Medical Payment 38%
Bodily Injury 18%
Source: Insurance Institute for Highway Safety
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What are the finance and insurance costs of a Kia Soul?

If you are financing a Kia Soul, most lenders will require you to carry higher Kia Soul coverage options, including comprehensive coverage.

Before purchasing a new policy, it is also beneficial for you to understand the regulations for car insurance by state to get an idea of what is required.

Be sure to shop around and compare Kia Soul car insurance quotes from the best companies using our free tool below.

What are some ways to save on Kia Soul insurance?

There are several ways you can save even more on your Kia Soul car insurance rates. Take a look at the following five tips:

  • Ask about Kia Soul discounts if you were listed on someone else’s policy to help you bring the price down
  • Understand the different types of auto insurance for your Kia Soul
  • Consider using a tracking device on your Kia Soul, and save based on your good driving habits
  • Improve your credit score, which helps you get a lower price in some locations
  • Ask your insurance company about Kia Soul discounts

What are the top Kia Soul insurance companies?

Which is the best company for Kia Soul insurance rates? While the actual rates you pay will depend on many factors the Insurance Information Institute provides some of the top companies that offer Kia Soul insurance coverage ordered by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Many of these companies offer discounts for security systems and other safety features that the Kia Soul offers.

While you search for the best insurance for a Kia Soul, it’s important to research the insurance companies that offer coverage for it. Reading company reviews, such as our State Farm insurance review and reviews for the other companies listed above is a great place to start.

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What’s the bottom line?

Kia Souls are not the most expensive cars to insure, but they are also not the cheapest. Researching the discounts available to you will be beneficial in keeping your premiums at a reasonable rate.

If you’re looking to insure a Kia Soul, it is a good idea to start shopping by comparing multiple companies that offer insurance for Kia Souls.

If you’re ready to buy the best car insurance for a Kia Soul, use our online comparison tool for free, instant car insurance quotes from companies in your area.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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