2023 Kia Soul Car Insurance Calculator

Monitor in real-time how seemingly small changes impact car insurance rates for a 2023 Kia Soul. Experiment with your marital status, location, homeowner status, and credit rating to see the impact on rates. Instantly know how and why rates change based on your selections.

The average estimated car insurance premium for a 2023 Kia Soul is $2,022 per year, or about $169 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

$2,022

Cost Per Month

$169

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 2023 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.

$2,022
Average Rate
Your Rate
$2,022

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 2023 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 2023 Kia Soul is $2,022.

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.

2023 Kia Soul vs. the Small SUV Segment

The table below compares insurance rates for the 2023 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.

2023 Kia Soul Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Trailblazer$1,722-$300
2Subaru Crosstrek$1,740-$282
3Nissan Kicks$1,744-$278
4Nissan Rogue Sport$1,776-$246
5Mazda CX-5$1,794-$228
6Buick Encore$1,814-$208
7Buick Envision$1,822-$200
8Kia Seltos$1,844-$178
9Hyundai Venue$1,854-$168
10Honda HR-V$1,886-$136
11Hyundai Kona$1,910-$112
12Subaru Forester$1,926-$96
13Honda CR-V$1,932-$90
14Mazda CX-30$1,936-$86
15Chevrolet Trax$1,950-$72
16Volkswagen Tiguan$1,978-$44
17Ford Bronco Sport$1,984-$38
18Fiat 500X$2,018-$4
19Kia Soul$2,022--
20GMC Terrain$2,024$2
21Mitsubishi Eclipse Cross$2,034$12
22Chevrolet Equinox$2,048$26
23Toyota Corolla Cross$2,056$34
24Volkswagen Taos$2,062$40
25Mazda CX-50$2,064$42
2023 Small SUV Average$2,073$51
26Hyundai Tucson$2,082$60
27Ford Escape$2,086$64
28Nissan Rogue$2,094$72
29Kia Niro$2,110$88
30Toyota RAV4$2,112$90
31Mazda MX-30$2,116$94
32Mini Cooper$2,126$104
33Jeep Compass$2,130$108
34Mini Cooper Clubman$2,162$140
35Jeep Renegade$2,192$170
36Chevrolet Bolt$2,206$184
37Toyota bz4X$2,216$194
38Hyundai Ioniq 5$2,260$238
39Kia Sportage$2,270$248
40Mini Cooper Countryman$2,338$316
41Mitsubishi Mirage$2,340$318
42Mitsubishi Outlander$2,352$330
43Volkswagen ID4$2,366$344
44Kia EV6$2,416$394
45Dodge Hornet$2,418$396
46Hyundai Nexo$2,508$486
47Ford Mustang Mach-E$2,576$554

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.

2023 Soul Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Kia Soul Insurance Rates by Trim Level
2023 Kia Soul Trim Level Annual Premium Cost Per Month
LX$1,942$162
S$2,022$169
GT-Line$2,050$171
EX$2,072$173

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 2023 Kia Soul for different driver ages.

2023 Kia Soul Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,447$621
17$7,139$595
18$6,257$521
19$5,748$479
20$4,360$363
21$4,157$346
22$3,698$308
23$3,080$257
24$2,893$241
25$2,338$195
30$2,140$178
35$2,082$174
40$2,022$169
45$1,902$159
50$1,806$151
55$1,686$141
60$1,690$141
65$1,800$150
70$1,974$165
75$2,364$197
80$2,922$244

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.