Kia Soul Car Insurance Cost for 2023

We compared rate quotes from the LX model up to the more appointed EX trim level to look at how insurance for the Soul compares to the small SUV segment.

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  • Kia Soul insurance costs an average of $1,568 per year or around $131 per month, depending on the trim level.
  • With an insurance cost range of $98, the cheapest Soul trim level to insure is the LX at around $1,508 per year, and the most expensive trim being the EX at $1,606 annually.
  • The Soul ranks 20th 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 $2,146 in Michigan. Rates in some of the larger cities in the U.S. include $1,406 in Fort Worth, TX, $1,528 in Milwaukee, WI, and $1,770 in San Jose, CA.

How much does Kia Soul insurance cost?

Car insurance on a 2023 Kia Soul averages $1,568 per year. Drivers can expect to have a monthly insurance payment of around $126 for the cheapest LX Soul model.

Broken down into individual coverages, liability and medical coverage will cost around $652 a year, collision coverage costs an estimated $578, and the remaining comprehensive (or other-than-collision) coverage is around $338.

The following chart details average 2023 Kia Soul insurance rates using different risk profiles and driver ages.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Kia Soul with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Kia Soul trim levels.Data last updated on January 23, 2023
Kia Soul Insurance Cost Summary
Kia Soul Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,564$297
Safe Driver Age 20$3,122$260
At-fault Accidents Age 40$2,234$186
Low Deductibles Age 40$1,972$164
Safe Driver Age 30$1,634$136
Safe Driver Age 40$1,568$131
Safe Driver Age 50$1,434$120
Safe Driver Age 60$1,406$117
High Deductibles Age 40$1,362$114
Discount Rate Age 40$1,302$109

In the chart above rates range from a discount rate for a 40-year-old driver of $1,302 to the high-risk average rate for a 30-year-old driver of $3,564 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 2023 Kia Soul would pay around $5,858 while a 16-year-old female would pay about $5,170. At age 17, males would pay around $5,408 and females $4,842.

Which Kia Soul trim levels are cheap to insure?

With Kia Soul car insurance rates ranging from $1,508 to $1,606 annually, the most budget-friendly model to insure is the LX. The second cheapest trim level to insure is the S at $1,570 per year. Plan on budgeting a minimum of $126 per month for full coverage insurance.

The costliest models of Kia Soul to insure are the EX at $1,606 and the GT-Line at $1,592 per year. Those trims will cost an extra $98 and $84 per year, respectively, over the least expensive LX model.

The next table shows average annual, 6-month, and monthly full coverage auto insurance costs for the 2023 Kia Soul.

2023 Kia Soul Insurance Cost by Trim Level
Kia Soul Trim Level Annual Policy 6-month Policy Per Month
LX$1,508$754$126
S$1,570$785$131
GT-Line$1,592$796$133
EX$1,606$803$134

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Kia Soul, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Kia Soul Insurance Cost by Trim Level

Kia Soul vs. small SUVs: Where does insurance cost rank?

The Kia Soul ranks 20th out of 47 total vehicles in the 2023 small SUV segment for insurance affordability. The Soul costs an average of $1,568 per year for insurance, while the segment average rate is $1,606 per year, a difference of $38 per year.

When average rates are compared to the top-selling vehicles in the small SUV segment, insurance for a Kia Soul costs $66 less per year than the Toyota RAV4, $72 more than the Honda CR-V, $20 less than the Chevrolet Equinox, and $54 less than the Nissan Rogue.

The table below shows how the entire 2023 compact SUV class ranks for insurance cost, and also shows the difference in average annual cost between each model and the Kia Soul.

Insurance Cost Comparison: Kia Soul vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Trailblazer$1,334-$234
2Subaru Crosstrek$1,346-$222
3Nissan Kicks$1,354-$214
4Nissan Rogue Sport$1,378-$190
5Mazda CX-5$1,386-$182
6Buick Encore$1,406-$162
7Buick Envision$1,410-$158
8Kia Seltos$1,430-$138
9Hyundai Venue$1,440-$128
10Honda HR-V$1,464-$104
11Hyundai Kona$1,480-$88
12Subaru Forester$1,486-$82
13Honda CR-V$1,496-$72
14Mazda CX-30$1,498-$70
15Chevrolet Trax$1,514-$54
16Volkswagen Tiguan$1,532-$36
17Ford Bronco Sport$1,536-$32
18Fiat 500X$1,564-$4
19GMC Terrain$1,566-$2
20Kia Soul$1,568--
21Mitsubishi Eclipse Cross$1,572$4
22Chevrolet Equinox$1,588$20
23Toyota Corolla Cross$1,592$24
24Volkswagen Taos$1,600$32
25Mazda CX-50$1,610$42
26Hyundai Tucson$1,614$46
27Ford Escape$1,616$48
28Nissan Rogue$1,622$54
29Toyota RAV4$1,634$66
30Mazda MX-30$1,636$68
31Kia Niro$1,638$70
32Mini Cooper$1,648$80
33Jeep Compass$1,652$84
34Mini Cooper Clubman$1,674$106
35Jeep Renegade$1,698$130
36Chevrolet Bolt$1,710$142
37Toyota bz4X$1,716$148
38Kia Sportage$1,760$192
39Hyundai Ioniq 5$1,764$196
40Mini Cooper Countryman$1,812$244
41Mitsubishi Mirage$1,818$250
42Mitsubishi Outlander$1,820$252
43Volkswagen ID4$1,832$264
44Kia EV6$1,870$302
45Dodge Hornet$1,872$304
46Hyundai Nexo$1,938$370
47Ford Mustang Mach-E$1,996$428

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Insurance Cost Comparison: Kia Soul vs Small SUVs

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, annual insurance cost for a 2013 Soul is $512 cheaper on average than a 2023 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 $944 for a 60-year-old driver rated on a 2013 Kia Soul to the highest rate of $2,856 for a 20-year-old with a 2019 Soul.

Kia Soul Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Kia Soul$3,122$1,568$1,406
2022 Kia Soul$3,122$1,570$1,406
2021 Kia Soul$2,762$1,390$1,242
2020 Kia Soul$2,732$1,374$1,228
2019 Kia Soul$2,856$1,434$1,282
2018 Kia Soul$2,744$1,376$1,232
2017 Kia Soul$2,622$1,316$1,178
2016 Kia Soul$2,646$1,330$1,192
2015 Kia Soul$2,410$1,216$1,088
2014 Kia Soul$2,172$1,092$980
2013 Kia Soul$2,088$1,056$944

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Kia Soul Insurance Cost by Model Year

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 $468 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 $1,162 a year in Columbus, OH, or $984 in Raleigh, NC, to expensive rates such as $2,442 a year in Los Angeles, CA, and $2,454 in Philadelphia.

The insurance cost for a Kia Soul in some other cities include Seattle, WA, at $1,598 per year, Boston, MA, costing $1,684, Albuquerque, NM, at $1,502, and Colorado Springs, CO, averaging $1,804.

The chart below visualizes typical insurance policy costs for a Kia Soul for the thirty largest cities in America.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Kia Soul, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Kia Soul trim levels.Data last updated on January 23, 2023
Kia Soul Insurance Rates in Large U.S. Cities
Kia Soul Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,766$231
Philadelphia, PA$2,454$205
Las Vegas, NV$2,450$204
Los Angeles, CA$2,442$204
San Francisco, CA$2,116$176
Kansas City, MO$1,882$157
Oklahoma City, OK$1,882$157
Denver, CO$1,846$154
Memphis, TN$1,846$154
Atlanta, GA$1,822$152
San Jose, CA$1,770$148
Phoenix, AZ$1,722$144
Portland, OR$1,700$142
San Diego, CA$1,690$141
Boston, MA$1,684$140
Jacksonville, FL$1,682$140
Chicago, IL$1,636$136
Dallas, TX$1,612$134
Houston, TX$1,604$134
Seattle, WA$1,598$133
Nashville, TN$1,538$128
Milwaukee, WI$1,528$127
Albuquerque, NM$1,502$125
San Antonio, TX$1,454$121
Omaha, NE$1,412$118
Fort Worth, TX$1,406$117
Austin, TX$1,386$116
Indianapolis, IN$1,262$105
Columbus, OH$1,162$97
Charlotte, NC$1,112$93

When looking at average Kia Soul rates from the state level, states like Virginia ($1,042), Maine ($946), and Iowa ($1,048) tend to have cheaper car insurance rates, while states like Michigan ($2,146), Louisiana ($1,868), and Florida ($1,956) 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.

Kia Soul Average Insurance Cost by State for 2023
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,412$706$118
Alaska$1,188$594$99
Arizona$1,440$720$120
Arkansas$1,642$821$137
California$1,900$950$158
Colorado$1,682$841$140
Connecticut$1,748$874$146
Delaware$1,786$893$149
Florida$1,956$978$163
Georgia$1,604$802$134
Hawaii$1,068$534$89
Idaho$1,120$560$93
Illinois$1,374$687$115
Indiana$1,172$586$98
Iowa$1,048$524$87
Kansas$1,548$774$129
Kentucky$1,680$840$140
Louisiana$1,868$934$156
Maine$946$473$79
Maryland$1,458$729$122
Massachusetts$1,712$856$143
Michigan$2,146$1,073$179
Minnesota$1,348$674$112
Mississippi$1,530$765$128
Missouri$1,770$885$148
Montana$1,440$720$120
Nebraska$1,310$655$109
Nevada$1,878$939$157
New Hampshire$1,048$524$87
New Jersey$1,902$951$159
New Mexico$1,292$646$108
New York$1,818$909$152
North Carolina$982$491$82
North Dakota$1,300$650$108
Ohio$1,096$548$91
Oklahoma$1,734$867$145
Oregon$1,466$733$122
Pennsylvania$1,508$754$126
Rhode Island$1,946$973$162
South Carolina$1,316$658$110
South Dakota$1,614$807$135
Tennessee$1,494$747$125
Texas$1,456$728$121
Utah$1,374$687$115
Vermont$1,142$571$95
Virginia$1,042$521$87
Washington$1,418$709$118
West Virginia$1,400$700$117
Wisconsin$1,122$561$94
Wyoming$1,394$697$116

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Kia Soul, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Kia Soul trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on January 23, 2023
Kia Soul insurance rates by U.S. state

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 $246 per year versus a credit score ranging from 670-739. Conversely, a weak credit rating could cost around $285 more per year.
  • Lower the cost of your policy by increasing deductibles. Boosting your deductibles from $500 to $1,000 could save around $206 per year for a 40-year-old driver and $406 per year for a 20-year-old driver.
  • Low physical damage deductibles increases cost. Cutting your deductibles from $500 to $250 could cost an additional $218 per year for a 40-year-old driver and $424 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 $420 per year.
  • Avoiding accidents saves money. Causing frequent accidents will increase insurance cost, potentially up to $2,220 per year for a 20-year-old driver and as much as $502 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 $266 per yearon 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 $47 and $178 on your yearly Soul insurance cost, subject to the policy coverages selected.