2014 Kia Soul Car Insurance Calculator

Explore and learn how seemingly small changes affect car insurance rates for a 2014 Kia Soul. Change vehicle usage, driver gender, marital status, and the state you live in plus many other factors. Know immediately if the changes you make have a positive or negative affect on rates.

The average estimated car insurance premium for a 2014 Kia Soul is $1,306 per year, or about $109 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,306

Cost Per Month

$109

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Kia Soul Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2014 Kia Soul.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,306
Average Rate
Your Rate
$1,306

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2014 Kia Soul trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2014 Kia Soul is $1,306.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2014 Kia Soul vs. the Small SUV Segment

The table below compares insurance rates for the 2014 Kia Soul against all other models in the small SUV segment. The Kia Soul is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Kia Soul, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Kia Soul.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2014 Kia Soul Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mini Cooper Clubman$1,186-$120
2Scion XD$1,196-$110
3Scion XB$1,212-$94
4Honda CR-V$1,226-$80
5Nissan Cube$1,254-$52
6Mini Cooper Countryman$1,286-$20
7Kia Soul$1,306--
8Jeep Patriot$1,310$4
9Mitsubishi Mirage$1,316$10
10Ford Escape$1,368$62
11Nissan Rogue$1,380$74
12Chevrolet Equinox$1,390$84
2014 Small SUV Average$1,393$87
13Buick Encore$1,400$94
14Hyundai Tucson$1,408$102
15Mazda CX-5$1,418$112
16Nissan Juke$1,424$118
17Chevrolet Captiva Sport$1,426$120
18Subaru Forester$1,428$122
19GMC Terrain$1,436$130
20Subaru XV Crosstrek$1,438$132
21Jeep Compass$1,448$142
22Mini Cooper$1,460$154
23Toyota RAV4$1,466$160
24Subaru Tribeca$1,478$172
25Mitsubishi Outlander$1,512$206
26Ford C-Max$1,548$242
27Volkswagen Tiguan$1,552$246
28Kia Sportage$1,558$252
29Mini Cooper Paceman$1,576$270

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2014 Soul Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2014 Kia Soul.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2014 Kia Soul Insurance Rates by Trim Level
2014 Kia Soul Trim Level Annual Premium Cost Per Month
2WD$1,234$103
Plus 2WD$1,320$110
Exclaim 2WD$1,362$114

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2014 Kia Soul for different driver ages.

2014 Kia Soul Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$4,914$410
17$4,669$389
18$4,005$334
19$3,714$310
20$2,799$233
21$2,667$222
22$2,359$197
23$1,996$166
24$1,860$155
25$1,508$126
30$1,370$114
35$1,346$112
40$1,306$109
45$1,234$103
50$1,178$98
55$1,098$92
60$1,100$92
65$1,170$98
70$1,300$108
75$1,574$131
80$1,946$162

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Kia Soul trim levels.