Kia Soul Car Insurance Cost for 2023

• Kia Soul insurance costs an average of $1,614 per year or around $135 per month, depending on the trim level.
• With an insurance cost range of $102, the cheapest Soul trim level to insure is the LX at around $1,550 per year, and the most expensive trim being the EX at $1,652 annually.
• The Soul ranks 20^th out of 47 vehicles in the small SUV class for insurance affordability.
• On a state level, average insurance rates range from a low of $978 per year in Maine to $2,168 in Michigan. Rates in some of the larger cities in the U.S. include $1,440 in Fort Worth, TX, $1,562 in Milwaukee, WI, and $1,804 in San Jose, CA.

How much does Kia Soul insurance cost?

Car insurance on a 2023 Kia Soul averages $1,614 per year. Drivers can expect to have a monthly insurance payment of around $129 for the cheapest LX Soul model.

Broken down into individual coverages, liability and medical coverage will cost around $672 a year, collision coverage costs an estimated $594, and the remaining comprehensive (or other-than-collision) coverage is around $348.

The following chart details average 2023 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 $1,338 to the high-risk average rate for a 30-year-old driver of $3,658 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 $6,014 while a 16-year-old female would pay about $5,308. At age 17, males would pay around $5,552 and females $4,972.

Which Kia Soul trim levels are cheap to insure?

With Kia Soul car insurance rates ranging from $1,550 to $1,652 annually, the most budget-friendly model to insure is the LX. The second cheapest trim level to insure is the S at $1,614 per year. Plan on budgeting a minimum of $129 per month for full coverage insurance.

The costliest models of Kia Soul to insure are the EX at $1,652 and the GT-Line at $1,636 per year. Those trims will cost an extra $102 and $86 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 2023 Kia Soul.

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

The Kia Soul ranks 20^th out of 47 total vehicles in the 2023 small SUV segment for insurance affordability. The Soul costs an average of $1,614 per year for insurance, while the segment average rate is $1,649 per year, a difference of $35 per year.

When average rates are compared to the top-selling vehicles in the small SUV segment, insurance for a Kia Soul costs $62 less per year than the Toyota RAV4, $80 more than the Honda CR-V, $16 less than the Chevrolet Equinox, and $52 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.

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 $530 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 $970 for a 60-year-old driver rated on a 2013 Kia Soul to the highest rate of $2,934 for a 20-year-old with a 2019 Soul.

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 $480 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 $1,200 a year in Columbus, OH, or $1,016 in Raleigh, NC, to expensive rates such as $2,476 a year in Los Angeles, CA, and $2,488 in Philadelphia.

The insurance costs for a Kia Soul in some other cities include Seattle, WA, at $1,632 per year, Boston, MA, costing $1,720, Albuquerque, NM, at $1,536, and Colorado Springs, CO, averaging $1,840.

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 ($1,078), Maine ($978), and Iowa ($1,086) tend to have cheaper car insurance rates, while states like Michigan ($2,168), Louisiana ($1,896), and Florida ($1,980) 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.

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 $253 per year versus a credit score ranging from 670-739. Conversely, a weak credit rating could cost around $294 more per year.
• Lower the cost of your policy by increasing deductibles. Boosting your deductibles from $500 to $1,000 could save around $216 per year for a 40-year-old driver and $414 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 $222 per year for a 40-year-old driver and $436 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 $426 per year.
• Avoiding accidents saves money. Causing frequent accidents will increase insurance cost, potentially up to $2,274 per year for a 20-year-old driver and as much as $512 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 $276 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 $48 and $183 on your yearly Soul insurance cost, subject to the policy coverages selected.