2021 Kia Soul Car Insurance Calculator

Learn visually how changing risk factors affect the cost of insurance for a 2021 Kia Soul. Tailor settings like coverage amounts, annual mileage, and vehicle usage to see their impact on rates. Immediately see if your change increases or decreases premiums and why.

The average estimated car insurance premium for a 2021 Kia Soul is $1,788 per year, or about $149 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

$1,788

Cost Per Month

$149

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 2021 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.

$1,788
Average Rate
Your Rate
$1,788

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 2021 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 2021 Kia Soul is $1,788.

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.

2021 Kia Soul vs. the Small SUV Segment

The table below compares insurance rates for the 2021 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.

2021 Kia Soul Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda CX-3$1,624-$164
2Honda CR-V$1,688-$100
3Mazda CX-5$1,712-$76
4Mazda CX-30$1,714-$74
5Ford Ecosport$1,720-$68
6Toyota C-HR$1,726-$62
7Nissan Rogue Sport$1,736-$52
8Chevrolet Trax$1,744-$44
9Buick Envision$1,756-$32
10Nissan Kicks$1,760-$28
11Hyundai Kona$1,762-$26
12Hyundai Venue$1,768-$20
13Hyundai Tucson$1,770-$18
14Kia Sportage$1,774-$14
15Jeep Compass$1,780-$8
16Kia Soul$1,788--
17Mitsubishi Eclipse Cross$1,792$4
18Chevrolet Equinox$1,794$6
19Chevrolet Trailblazer$1,804$16
20Honda HR-V$1,824$36
21Volkswagen Tiguan$1,830$42
22Subaru Forester$1,846$58
23Nissan Rogue$1,864$76
24Ford Escape$1,868$80
25GMC Terrain$1,872$84
26Subaru Crosstrek$1,876$88
27Kia Seltos$1,884$96
2021 Small SUV Average$1,890$102
28Buick Encore$1,914$126
29Volkswagen ID4$1,932$144
30Fiat 500X$1,940$152
31Ford Bronco Sport$1,946$158
32Jeep Renegade$1,956$168
33Toyota RAV4$2,020$232
34Kia Niro$2,032$244
35Mini Cooper Countryman$2,078$290
36Mini Cooper$2,126$338
37Mitsubishi Mirage$2,152$364
38Chevrolet Bolt$2,160$372
39Mini Cooper Clubman$2,310$522
40Mitsubishi Outlander$2,350$562
41Hyundai Nexo$2,504$716

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.

2021 Soul Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Kia Soul Insurance Rates by Trim Level
2021 Kia Soul Trim Level Annual Premium Cost Per Month
LX 2WD$1,636$136
GT-Line 2WD$1,764$147
S 2WD$1,764$147
X-Line 2WD$1,772$148
EX 2WD$1,840$153
GT-Line Turbo 2WD$1,958$163

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 2021 Kia Soul for different driver ages.

2021 Kia Soul Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,568$547
17$6,306$526
18$5,543$462
19$5,083$424
20$3,862$322
21$3,683$307
22$3,277$273
23$2,726$227
24$2,558$213
25$2,074$173
30$1,894$158
35$1,842$154
40$1,788$149
45$1,678$140
50$1,598$133
55$1,492$124
60$1,496$125
65$1,590$133
70$1,742$145
75$2,082$174
80$2,572$214

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.