- Kia Soul insurance costs an average of $1,482 per year or around $124 per month, depending on the trim level.
- With an insurance cost range of $106, the cheapest Soul trim level to insure is the LX at around $1,416 per year, and the most expensive trim being the EX at $1,522 annually.
- The Soul ranks third out of 47 vehicles in the small SUV class for insurance affordability.
- On a state level, average insurance rates range from a low of $946 per year in Maine to $1,944 in Michigan. Rates in some of the larger cities in the U.S. include $1,346 in Fort Worth, TX, $1,454 in Milwaukee, WI, and $1,666 in San Jose, CA.
How much does Kia Soul insurance cost?
Car insurance on a 2024 Kia Soul averages $1,482 per year. Drivers can expect to have a monthly insurance payment of around $118 for the cheapest LX Soul model.
Broken down into individual coverages, liability and medical coverage will cost around $502 a year, collision coverage costs an estimated $588, and the remaining comprehensive (or other-than-collision) coverage is around $392.
The following chart details average 2024 Kia Soul insurance rates using different risk profiles and driver ages.
In the chart above rates range from a discount rate for a 40-year-old driver of $1,234 to the high-risk average rate for a 30-year-old driver of $3,366 per year.
Not shown in the chart are Kia Soul car insurance rates for teenage drivers. A 16-year-old male driver with a clean driving record with a new 2024 Kia Soul would pay around $5,228 while a 16-year-old female would pay about $4,881. At age 17, males would pay around $5,042 and females $4,846.
Which Kia Soul trim levels are cheap to insure?
With Kia Soul car insurance rates ranging from $1,416 to $1,522 annually, the most budget-friendly model to insure is the LX. The second cheapest trim level to insure is the S at $1,482 per year. Plan on budgeting a minimum of $118 per month for full coverage insurance.
The costliest models of Kia Soul to insure are the EX at $1,522 and the GT-Line at $1,506 per year. Those trims will cost an extra $106 and $90 per year, respectively, over the least expensive LX model.
The next table shows the average annual, 6-month, and monthly full coverage auto insurance costs for the 2024 Kia Soul.
| 2024 Kia Soul Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| LX | $1,416 | $118 |
| S | $1,482 | $124 |
| GT-Line | $1,506 | $126 |
| EX | $1,522 | $127 |
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. Updated February 23, 2024
Kia Soul vs. small SUVs: Where does insurance cost rank?
The Kia Soul ranks third out of 47 total vehicles in the 2024 small SUV segment for insurance affordability. The Soul costs an average of $1,482 per year for insurance, while the segment average rate is $1,745 per year, a difference of $263 per year.
When average rates are compared to the top-selling vehicles in the small SUV segment, insurance for a Kia Soul costs $266 less per year than the Toyota RAV4, $136 less than the Honda CR-V, $264 less than the Chevrolet Equinox, and $222 less than the Nissan Rogue.
The table below shows how the entire 2024 compact SUV class ranks for insurance cost, and also shows the difference in average annual cost between each model and the Kia Soul.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,402 | -$80 |
| 2 | Chevrolet Trailblazer | $1,424 | -$58 |
| 3 | Kia Soul | $1,482 | -- |
| 4 | Nissan Kicks | $1,494 | $12 |
| 5 | Buick Envision | $1,520 | $38 |
| 6 | Toyota Corolla Cross | $1,530 | $48 |
| 7 | Hyundai Venue | $1,540 | $58 |
| 8 | Mazda CX-5 | $1,548 | $66 |
| 9 | Ford Bronco Sport | $1,554 | $72 |
| 10 | Volkswagen Tiguan | $1,570 | $88 |
| 11 | Buick Encore | $1,612 | $130 |
| 12 | Honda CR-V | $1,618 | $136 |
| 13 | Volkswagen Taos | $1,624 | $142 |
| 14 | Kia Niro | $1,626 | $144 |
| 15 | Honda HR-V | $1,650 | $168 |
| 16 | Subaru Forester | $1,692 | $210 |
| 17 | Kia Seltos | $1,694 | $212 |
| 18 | GMC Terrain | $1,698 | $216 |
| 19 | Nissan Rogue | $1,704 | $222 |
| 20 | Hyundai Kona | $1,706 | $224 |
| 21 | Mazda CX-30 | $1,710 | $228 |
| 22 | Volkswagen ID4 | $1,720 | $238 |
| 23 | Ford Escape | $1,730 | $248 |
| 24 | Chevrolet Equinox | $1,746 | $264 |
| 25 | Toyota RAV4 | $1,748 | $266 |
| 26 | Mazda MX-30 | $1,760 | $278 |
| 27 | Hyundai Tucson | $1,764 | $282 |
| 28 | Chevrolet Trax | $1,794 | $312 |
| 29 | Mini Cooper Clubman | $1,798 | $316 |
| 30 | Mini Cooper | $1,800 | $318 |
| 31 | Mitsubishi Eclipse Cross | $1,820 | $338 |
| 32 | Jeep Renegade | $1,824 | $342 |
| 33 | Mitsubishi Outlander | $1,848 | $366 |
| 34 | Nissan Ariya | $1,856 | $374 |
| 35 | Kia Sportage | $1,858 | $376 |
| 36 | Hyundai Ioniq 5 | $1,864 | $382 |
| 37 | Fiat 500X | $1,870 | $388 |
| 38 | Mazda CX-50 | $1,884 | $402 |
| 39 | Toyota bz4X | $1,890 | $408 |
| 40 | Mini Cooper Countryman | $1,892 | $410 |
| 41 | Subaru Solterra | $1,898 | $416 |
| 42 | Mitsubishi Mirage | $1,900 | $418 |
| 43 | Kia EV6 | $1,958 | $476 |
| 44 | Dodge Hornet | $2,018 | $536 |
| 45 | Jeep Compass | $2,054 | $572 |
| 46 | Hyundai Nexo | $2,094 | $612 |
| 47 | Ford Mustang Mach-E | $2,220 | $738 |
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 vehicle from the 2024 model year. Updated February 23, 2024
How much is insurance on a used Kia Soul?
Skipping the newest models and instead driving a used Soul can definitely save money on insurance. For example, the annual insurance cost for a 2013 Soul is $458 cheaper on average than a 2024 model. Since older models have less value due to depreciation, insurance costs less.
The data below shows typical Kia Soul insurance rates for new and used models back to the 2013 model year. Average policy cost ranges from the cheapest rate of $866 for a 60-year-old driver rated on a 2013 Kia Soul to the highest rate of $2,956 for a 20-year-old with a 2019 Soul.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Kia Soul | $2,936 | $1,482 | $1,232 |
| 2023 Kia Soul | $3,302 | $1,638 | $1,370 |
| 2022 Kia Soul | $3,298 | $1,636 | $1,368 |
| 2021 Kia Soul | $2,926 | $1,448 | $1,210 |
| 2020 Kia Soul | $2,840 | $1,408 | $1,178 |
| 2019 Kia Soul | $2,956 | $1,460 | $1,220 |
| 2018 Kia Soul | $2,784 | $1,378 | $1,152 |
| 2017 Kia Soul | $2,656 | $1,316 | $1,104 |
| 2016 Kia Soul | $2,604 | $1,298 | $1,088 |
| 2015 Kia Soul | $2,388 | $1,190 | $998 |
| 2014 Kia Soul | $2,134 | $1,060 | $896 |
| 2013 Kia Soul | $2,046 | $1,024 | $866 |
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 Kia Soul trim levels for each model year. Updated February 23, 2024
Eventually, as a vehicle gets some miles on it, it probably will make sense to drop the physical damage coverages from an insurance policy. As a vehicle ages, the cost required to keep physical damage coverage exceeds the benefits of having it.
Deleting physical damage coverage on an older Kia Soul could save around $488 annually, depending on the deductible level and the age of the rated driver.
Average Kia Soul insurance rates by location
The insurance cost for a Soul varies widely from cheaper premiums like $1,138 a year in Columbus, OH, or $984 in Raleigh, NC, to expensive rates such as $2,248 a year in Los Angeles, CA, and $2,256 in Philadelphia.
The insurance costs for a Kia Soul in some other cities include Seattle, WA, at $1,512 per year, Boston, MA, costing $1,590, Albuquerque, NM, at $1,432, and Colorado Springs, CO, averaging $1,694.
The chart below visualizes typical insurance policy costs for a Kia Soul for the thirty largest cities in America.
When looking at average Kia Soul rates from the state level, states like Virginia ($1,034), Maine ($946), and Iowa ($1,038) tend to have cheaper car insurance rates, while states like Michigan ($1,944), Louisiana ($1,720), and Florida ($1,798) have higher insurance rates.
The table below details annual, semi-annual, and monthly average insurance rates for the Kia Soul in all fifty U.S. states.
| U.S. State | Annual Premium | Cost Per Month |
|---|---|---|
| Alabama | $1,354 | $113 |
| Alaska | $1,158 | $97 |
| Arizona | $1,378 | $115 |
| Arkansas | $1,554 | $130 |
| California | $1,776 | $148 |
| Colorado | $1,590 | $133 |
| Connecticut | $1,644 | $137 |
| Delaware | $1,674 | $140 |
| Florida | $1,798 | $150 |
| Georgia | $1,520 | $127 |
| Hawaii | $1,058 | $88 |
| Idaho | $1,100 | $92 |
| Illinois | $1,324 | $110 |
| Indiana | $1,146 | $96 |
| Iowa | $1,038 | $87 |
| Kansas | $1,470 | $123 |
| Kentucky | $1,588 | $132 |
| Louisiana | $1,720 | $143 |
| Maine | $946 | $79 |
| Maryland | $1,392 | $116 |
| Massachusetts | $1,612 | $134 |
| Michigan | $1,944 | $162 |
| Minnesota | $1,294 | $108 |
| Mississippi | $1,456 | $121 |
| Missouri | $1,666 | $139 |
| Montana | $1,378 | $115 |
| Nebraska | $1,266 | $106 |
| Nevada | $1,756 | $146 |
| New Hampshire | $1,038 | $87 |
| New Jersey | $1,778 | $148 |
| New Mexico | $1,248 | $104 |
| New York | $1,706 | $142 |
| North Carolina | $980 | $82 |
| North Dakota | $1,256 | $105 |
| Ohio | $1,078 | $90 |
| Oklahoma | $1,628 | $136 |
| Oregon | $1,402 | $117 |
| Pennsylvania | $1,438 | $120 |
| Rhode Island | $1,816 | $151 |
| South Carolina | $1,270 | $106 |
| South Dakota | $1,528 | $127 |
| Tennessee | $1,422 | $119 |
| Texas | $1,392 | $116 |
| Utah | $1,320 | $110 |
| Vermont | $1,120 | $93 |
| Virginia | $1,034 | $86 |
| Washington | $1,358 | $113 |
| West Virginia | $1,342 | $112 |
| Wisconsin | $1,100 | $92 |
| Wyoming | $1,338 | $112 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
Additional rates and observations
- Good credit can save money. In states that have laws allowing a driver’s credit history to be used as a factor in determining insurance rates, drivers who have credit scores over 800 could experience savings as high as $233 per year versus a credit score ranging from 670-739. Conversely, a weak credit rating could cost around $270 more per year.
- Lower the cost of your policy by increasing deductibles. Boosting your deductibles from $500 to $1,000 could save around $224 per year for a 40-year-old driver and $424 per year for a 20-year-old driver.
- Low physical damage deductibles increase costs. Cutting your deductibles from $500 to $250 could cost an additional $230 per year for a 40-year-old driver and $446 per year for a 20-year-old driver.
- Tickets and violations cost money. To get the best deal on Soul insurance rates, it pays to avoid traffic tickets. In fact, just a few traffic citations can raise policy rates by at least $384 per year.
- Avoiding accidents saves money. Causing frequent accidents will increase insurance cost, potentially up to $2,062 per year for a 20-year-old driver and as much as $358 per year for a 60-year-old driver.
- Policy discounts mean cheaper Soul insurance. Discounts may be available if the insured drivers are homeowners, are military or federal employees, are accident-free, insure multiple vehicles on the same policy, are claim-free, or many other discounts which could save the average driver as much as $248 per year on the cost of insuring a Soul.
- Get cheaper rates because of your choice of occupation. Some auto insurance providers offer discounts for working in professions like engineers, nurses, members of the military, college professors, lawyers, and other occupations. Being employed in a qualifying occupation could save between $44 and $185 on your yearly Soul insurance cost, subject to the policy coverages selected.