2018 Kia Soul Car Insurance Calculator

See and learn how different driver and vehicle factors influence insurance rates for a 2018 Kia Soul. Experiment with rate factors like liability limits, policy deductibles, and driver age to see how insurance rates are affected. Immediately discover if insurance rates get cheaper or more expensive.

The average estimated car insurance premium for a 2018 Kia Soul is $1,702 per year, or about $142 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

$1,702

Cost Per Month

$142

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 2018 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.

$1,702
Average Rate
Your Rate
$1,702

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 2018 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 2018 Kia Soul is $1,702.

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.

2018 Kia Soul vs. the Small SUV Segment

The table below compares insurance rates for the 2018 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.

2018 Kia Soul Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Ecosport$1,374-$328
2Nissan Kicks$1,408-$294
3Toyota C-HR$1,412-$290
4Jeep Compass$1,426-$276
5Subaru Crosstrek$1,442-$260
6Hyundai Kona$1,458-$244
7Honda CR-V$1,464-$238
8Mazda CX-3$1,472-$230
9Chevrolet Equinox$1,554-$148
10Honda HR-V$1,560-$142
11Mitsubishi Eclipse Cross$1,574-$128
12Mazda CX-5$1,606-$96
13Subaru Forester$1,622-$80
14Chevrolet Trax$1,628-$74
2018 Small SUV Average$1,649-$53
15Nissan Rogue$1,656-$46
16Buick Encore$1,666-$36
17Jeep Renegade$1,676-$26
18Mini Cooper$1,692-$10
19Hyundai Tucson$1,698-$4
20Kia Soul$1,702--
21Volkswagen Tiguan$1,716$14
22Buick Envision$1,740$38
23Toyota RAV4$1,750$48
24Kia Sportage$1,754$52
25Mini Cooper Countryman$1,758$56
26Ford Escape$1,768$66
27Ford C-Max$1,798$96
28GMC Terrain$1,804$102
29Mini Cooper Clubman$1,826$124
30Chevrolet Bolt$1,830$128
31Mitsubishi Mirage$1,832$130
32Kia Niro$1,862$160
33Mitsubishi Outlander$1,880$178

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.

2018 Soul Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Kia Soul Insurance Rates by Trim Level
2018 Kia Soul Trim Level Annual Premium Cost Per Month
2WD$1,494$125
Plus 2WD$1,620$135
Exclaim 2WD$1,676$140
Electric E 2WD$1,770$148
Electric 2WD$1,826$152
Electric Plus 2WD$1,826$152

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 2018 Kia Soul for different driver ages.

2018 Kia Soul Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,255$521
17$6,000$500
18$5,262$439
19$4,833$403
20$3,672$306
21$3,499$292
22$3,113$259
23$2,590$216
24$2,432$203
25$1,972$164
30$1,802$150
35$1,750$146
40$1,702$142
45$1,598$133
50$1,520$127
55$1,420$118
60$1,424$119
65$1,514$126
70$1,660$138
75$1,986$166
80$2,454$205

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.