Is Car Insurance Cheaper for a Kia Sportage or Kia Soul?

• When 2024 models are compared, a Kia Soul has cheaper car insurance rates than a Kia Sportage by $478 per year.
• For the 2024 Kia Sportage, average insurance prices cost from $2,212 to $2,466 per year, while the insurance price for a 2024 Kia Soul ranges from $1,792 to $1,926, depending on the trim level being insured.
• The Kia Sportage costs 9% less per year than the 2024 model year average cost to insure a car in the U.S. of $2,572, while the Kia Soul costs an average of 31.5% less per year.

Is a Kia Sportage or Kia Soul cheaper to insure?

Average car insurance rates for a 2024 Kia Sportage are $2,350 per year, and insurance for a Kia Soul costs an average of $1,872 per year, making the Kia Soul the cheapest to insure.

Out of 10 Kia Sportage trim levels, the cheapest 2024 model to insure is the LX model at an average cost of $2,212 per year, or $184 per month. Out of the four trims available for the Kia Soul, the cheapest 2024 trim level to insure is the LX model at a cost of $1,792.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim is the Kia Soul LX at an average of $1,792 per year. The most expensive vehicle to insure is the Kia Sportage X-Pro Prestige costing an average of $2,466 per year.

The table shown below compares and ranks the annual and monthly cost of car insurance for 2024 Kia Sportage and Kia Soul models, broken down by trim level.

The next chart illustrates the average cost to insure the two models using a range of rated driver ages. For a 2024 Kia Sportage, average insurance cost ranges from $2,092 to $4,772 per year for these driver ages. A 2024 Kia Soul costs from $1,668 to $3,710 to insure per year.

The rate tables below show the cost to insure the available trim levels for both 2024 models, as well as the overall average rate for each model.

2023 Kia Sportage vs. Kia Soul

Insurance rates for a 2023 Kia Sportage average $2,324 per year, and insurance for a 2023 Kia Soul costs an average of $2,070 per year, making the Kia Soul the model with lower average insurance cost.

For a 2023 Kia Sportage, the lowest-cost models to insure are the Sportage LX, Sportage LX Hybrid, and Sportage EX.

The most affordable Kia Soul models to insure for the 2023 model year include the Soul LX, Soul S, and Soul GT-Line.

The next table compares the annual and monthly car insurance costs for 2023 Kia Sportage and Kia Soul models, showing the average insurance cost by trim level for each model.

The chart below shows the average cost to insure the two models for the 20 to 50-year-old driver age groups. For the 2023 Kia Sportage, insurance cost ranges from $2,068 to $4,726 per year for the age groups in the chart. A full-coverage policy for the 2023 Kia Soul costs from $1,850 to $4,178 on average per year.

Out of 12 trims for a 2023 Kia Sportage, the cheapest insurance rates are on the LX trim at a cost of $2,156 per year.

For the four different option levels available for a Kia Soul, the most affordable 2023 trim to insure is the LX trim at a cost of $1,988.

When average insurance prices for all 16 trim levels for both vehicles are compared, the lowest-cost model and trim level to put coverage on is the Kia Soul LX at an average rate of $1,988 per year. The most expensive vehicle to insure is the Kia Sportage X-Line Prestige Plug-in Hybrid costing an average of $2,492 per year.

The two tables below break down average car insurance rates for each trim level, including an overall average cost for each model. The 2023 Kia Soul has cheaper average car insurance rates than the 2023 Kia Sportage.

2022 Kia Sportage vs. Kia Soul

When comparing insurance costs for the 2022 Kia Sportage and Kia Soul models, the Kia Soul has cheaper rates by an average of $118 per year.

The rate chart below displays the average cost to insure both models with different driver age groups. For the 2022 Kia Sportage, the average insurance cost ranges from $1,952 to $4,458 per year for these driver ages. Auto insurance on a 2022 Kia Soul costs from $1,850 to $4,174 on average per year.

Out of four Kia Sportage trim levels, the cheapest 2022 trim to insure is the LX model at an average cost of $2,040 per year, or $170 per month. A 2022 Kia Soul has six trim and option levels available, with the lowest-cost trim level to insure being the LX model at an average cost of $1,946 per year.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim level to buy insurance for is the Kia Soul LX at a cost of $1,946 per year. The most expensive trim is the Kia Sportage SX Turbo at a cost of $2,378 per year.

The tables shown below display the average cost to insure each trim level for a 2022 Kia Sportage and Kia Soul, plus an average rate for each model. The 2022 Kia Soul defeats the 2022 Kia Sportage for the cheapest overall car insurance cost.

2021 Kia Sportage vs. Kia Soul

When comparing car insurance rates for 2021 models, the Kia Sportage costs $1,816 per year for full coverage and the Kia Soul costs $1,832, making the Kia Sportage the cheaper model by $16 for the 2021 comparison year.

The rate chart below displays the average insurance cost for the two models rated for a variety of different driver ages. For a 2021 Kia Sportage, the average cost of car insurance ranges from $1,616 to $3,682 per year for the age groups used in the chart. Car insurance for a 2021 Kia Soul ranges from $1,634 to $3,700 on average per year.

Out of eight Kia Sportage trim levels, the cheapest 2021 trim to insure is the LX 2WD trim at an average cost of $1,660 per year, or $138 per month.

For the six trim and option levels available for a Kia Soul, the lowest-cost 2021 trim level to insure is the LX 2WD trim at a cost of $1,674 per year, or about $140 per month.

When looking at the combined rates by trim level for both models, the overall cheapest vehicle to buy insurance for is the Kia Sportage LX 2WD at a cost of $1,660 per year. The most expensive model and trim level is the Kia Soul GT-Line Turbo 2WD costing an average of $2,004 per year.

The two tables below detail average car insurance rates for each trim level, as well as the overall average rate for each model.

2020 Kia Sportage vs. Kia Soul

When comparing car insurance rates for 2020 models, a Kia Sportage costs an average of $1,764 per year to insure while a Kia Soul costs $1,778, making the Kia Sportage more affordable to insure by $14 per year.

The chart shown below demonstrates the average cost to insure both models rated for different driver ages. For a 2020 Kia Sportage, insurance cost ranges from $1,570 to $3,576 per year for the five age groups shown in the chart. Car insurance on the 2020 Kia Soul costs from $1,588 to $3,592 on average per year.

For the eight trims available for a 2020 Kia Sportage, the most affordable trim to insure is the LX 2WD trim at an average cost of $1,614 per year.

For the six trim options available for the Kia Soul, the cheapest 2020 model to insure is the LX 2WD trim at a cost of $1,630.

When comparing rates by trim level for both models, the lowest-cost model and trim level to put coverage on is the Kia Sportage LX 2WD at an average rate of $1,614 per year, and the most expensive trim is the Kia Soul GT-Line Turbo 2WD costing an average of $1,948 per year.

The rate tables below detail the cost to insure the available trim levels for both 2020 models, as well as an average rate for each model.

2019 Kia Sportage vs. Kia Soul

When comparing car insurance rates for the 2019 Kia Sportage and Kia Soul models, the Kia Soul is cheaper to insure by $44 per year for this comparison year.

The chart shown below visualizes the average insurance cost for both models using a range of rated driver ages. For a 2019 Kia Sportage, the average cost of car insurance ranges from $1,688 to $3,862 per year for the driver ages used. A full-coverage policy on the 2019 Kia Soul costs from $1,650 to $3,736 on average per year.

Out of six Kia Sportage trim levels, the lowest-cost 2019 trim to insure is the LX 2WD trim at an average cost of $1,732 per year, or $144 per month. For the five trim levels available for a Kia Soul, the lowest-cost 2019 model to insure is the 2WD trim at a cost of $1,584 per year, or about $132 per month.

When comparing combined rates for both models from a trim-level perspective, the cheapest trim to buy insurance for is the Kia Soul 2WD at an average cost of $1,584 per year. The most expensive trim is the Kia Soul EV Plus 2WD costing $2,072 per year.

The next tables break down the average cost to insure all 2019 trim levels, along with the average rate for each model. The 2019 Kia Soul defeats the 2019 Kia Sportage for the cheapest car insurance cost.

2018 Kia Sportage vs. Kia Soul

For 2018 Kia Sportage and Kia Soul models, the Kia Soul is cheaper to insure by $54 per year.

The next chart illustrates the average insurance cost for both 2018 models rated for different driver ages. The average cost of full-coverage insurance ranges from $1,604 to $3,658 per year for a 2018 Kia Sportage, and $1,558 to $3,516 on a 2018 Kia Soul for the included driver ages.

The 2018 Kia Sportage has six trim levels available, with the lowest-cost trim to insure being the LX 2WD trim at an average cost of $1,664 per year, or around $139 per month. The 2018 Kia Soul has six trims available, with the cheapest trim level to insure being the 2WD model at an average cost of $1,528 per year, or around $127 per month.

When rates are compared for the 12 trims of both 2018 models, the cheapest trim to put coverage on is the Kia Soul 2WD at a cost of $1,528 per year, and the highest-cost model and trim is the Kia Sportage SX 4WD Turbo costing $1,942 per year.

The rate tables below show average car insurance rates for each trim level, along with an average cost for each model. The 2018 Kia Soul comes out on top over the 2018 Kia Sportage for the cheapest auto insurance rates.

2017 Kia Sportage vs. Kia Soul

When comparing insurance costs for 2017 models, a Kia Sportage costs an average of $1,724 per year to insure while a Kia Soul costs $1,662, making the Kia Soul cheaper to insure by $62 per year.

The rate chart below demonstrates the average cost to insure both models with different ages of drivers. For a 2017 Kia Sportage, the average car insurance cost ranges from $1,540 to $3,510 per year for the sample drivers in the chart. Car insurance on a 2017 Kia Soul costs from $1,490 to $3,358 on average per year.

For the six trim levels available for the 2017 Kia Sportage, the lowest-cost trim level to insure is the LX 2WD model at an average cost of $1,606 per year, or $134 per month.

A 2017 Kia Soul has six different trims available, with the lowest-cost model to insure being the 2WD model at an average cost of $1,424 per year.

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim level to put coverage on is the Kia Soul 2WD at an average of $1,424 per year, and the most expensive trim is the Kia Sportage SX 4WD at an average cost of $1,878 per year.

The next two tables display the average cost to insure all 2017 trim levels, including the average rate for each model.

2016 Kia Sportage vs. Kia Soul

For the 2016 Kia Sportage and Kia Soul models, the Kia Sportage has cheaper car insurance cost by $64 per year for this model year.

The rate chart below shows the average car insurance cost for both 2016 models rated for drivers aged 20 to 50. For a 2016 Kia Sportage, the average car insurance cost ranges from $1,414 to $3,154 per year for the five driver age examples in the chart. Car insurance for a 2016 Kia Soul ranges from $1,478 to $3,294 on average per year.

For the six trims available for a 2016 Kia Sportage, the lowest-cost trim level to insure is the LX 2WD model at an average cost of $1,492 per year.

For the six different trim levels available for a Kia Soul, the cheapest 2016 trim to insure is the 2WD trim at a cost of $1,482.

When trim-level rates for both models are compared, the lowest-cost model and trim level to buy insurance for is the Kia Soul 2WD at an average rate of $1,482 per year. The overall most expensive vehicle to insure is the Kia Soul Electric Plus 2WD at an average cost of $1,722 per year.

The rate tables below illustrate trim level insurance cost averages for both 2016 models, including the average rate for each model.

2015 Kia Sportage vs. Kia Soul

When comparing insurance costs for 2015 models, the Kia Sportage costs $1,488 per year for full coverage and the Kia Soul costs $1,512, making the Kia Sportage the winner by $24 for the 2015 comparison year.

The following chart visualizes the average insurance cost for both 2015 models for the 20, 30, 40, and 50-year-old driver age groups. Insurance cost ranges from $1,338 to $2,976 per year for a 2015 Kia Sportage, and $1,358 to $3,034 on a 2015 Kia Soul for the age groups in the chart.

Out of six Kia Sportage trims, the most affordable 2015 trim to insure is the LX 2WD model at an average cost of $1,380 per year.

For the five different option levels available for the Kia Soul, the lowest-cost 2015 trim to insure is the 2WD model at a cost of $1,374 per year, or about $115 per month.

When all 11 trims of both models are combined and compared, the cheapest trim to put coverage on is the Kia Soul 2WD at an average of $1,374 per year. The highest-cost model and trim is the Kia Soul Electric Plus 2WD at a cost of $1,634 per year.

The tables below break down average car insurance rates for every trim level for both 2015 models, as well as the overall average rate for each model. The cheapest of the two models to insure for the 2015 model year is the Kia Sportage.

Additional Kia Sportage and Kia Soul Resources

• Kia Sportage Insurance Cost
• Kia Soul Insurance Cost
• Small SUV Insurance Cost Comparisons