Kia Soul Car Insurance Cost for 2022

How much does Kia Soul car insurance cost? We break down insurance rates from the base LX model up to the top-end GT-Line Turbo to find out how the Soul ranks against other small SUVs and crossovers.

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  • Kia Soul insurance costs an average of $1,442 per year or around $120 per month, depending on the trim level.
  • With an insurance cost range of $202, the cheapest Soul trim level to insure is the LX at around $1,358 per year, and the most expensive trim being the Turbo at $1,560 annually.
  • The Soul ranks #28 out of 46 vehicles in the small SUV class for insurance affordability.
  • On a state level, average insurance rates range from a low of $996 per year in Maine to $2,296 in Michigan. Rates in some of the larger cities in the U.S. include $1,330 in Fort Worth, TX, $1,458 in Milwaukee, WI, and $1,702 in San Jose, CA.

How much does Kia Soul insurance cost?

Car insurance on a 2022 Kia Soul averages $1,442 per year. Drivers can expect to have a monthly insurance payment of around $113 for the cheapest LX Soul model.

Broken down into individual coverages, liability and medical coverage will cost around $588 a year, collision coverage costs an estimated $532, and the remaining comprehensive (or other-than-collision) coverage is around $322.

The following chart details average 2022 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 2022 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 September 27, 2022
Kia Soul Insurance Cost Summary
Kia Soul Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,268$272
Safe Driver Age 20$2,862$239
At-fault Accidents Age 40$2,050$171
Low Deductibles Age 40$1,818$152
Safe Driver Age 30$1,504$125
Safe Driver Age 40$1,442$120
Safe Driver Age 50$1,316$110
Safe Driver Age 60$1,292$108
High Deductibles Age 40$1,248$104
Discount Rate Age 40$1,196$100

In the chart above rates range from a discount rate for a 40-year-old driver of $1,196 to the high-risk average rate for a 30-year-old driver of $3,268 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 2022 Kia Soul would pay around $5,344 while a 16-year-old female would pay about $4,718. At age 17, males would pay around $4,942 and females $4,424.

Which Kia Soul trim levels are cheap to insure?

With Kia Soul car insurance rates ranging from $1,358 to $1,560 annually, the most budget-friendly model to insure is the LX. The second cheapest trim level to insure is the S at $1,418 per year. Plan on budgeting a minimum of $113 per month for full coverage insurance.

The costliest models of Kia Soul to insure are the Turbo at $1,560 and the EX at $1,464 per year. Those trims will cost an extra $202 and $106 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 2022 Kia Soul.

2022 Kia Soul Insurance Cost by Trim Level
Kia Soul Trim Level Annual Policy 6-month Policy Per Month
LX$1,358$679$113
S$1,418$709$118
GT-Line$1,426$713$119
X-Line$1,428$714$119
EX$1,464$732$122
Turbo$1,560$780$130

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 September 27, 2022
Kia Soul Insurance Cost by Trim Level

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

The Kia Soul ranks #28 out of 46 total vehicles in the 2022 small SUV segment for insurance affordability. The Soul costs an average of $1,442 per year for insurance, while the segment average rate is $1,426 per year, a difference of $16 per year.

When average rates are compared to the top-selling vehicles in the small SUV segment, insurance for a Kia Soul costs $2 more per year than the Toyota RAV4, $106 more than the Honda CR-V, $18 more than the Chevrolet Equinox, and $50 less than the Nissan Rogue.

The table below shows how the entire 2022 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
1Mazda CX-5$1,158-$284
2Nissan Kicks$1,190-$252
3Chevrolet Trailblazer$1,196-$246
4Subaru Crosstrek$1,224-$218
5Toyota C-HR$1,254-$188
6Buick Encore$1,260-$182
7Nissan Rogue Sport$1,272-$170
8Hyundai Venue$1,294-$148
9Buick Envision$1,298-$144
10Kia Seltos$1,300-$142
11Toyota Corolla Cross$1,310-$132
12Hyundai Kona$1,318-$124
13Subaru Forester$1,320-$122
14Volkswagen Tiguan$1,324-$118
15Honda CR-V$1,336-$106
16Mazda CX-30$1,350-$92
17Honda HR-V$1,370-$72
18Ford Ecosport$1,380-$62
19Chevrolet Trax$1,398-$44
20GMC Terrain$1,404-$38
21Mitsubishi Eclipse Cross$1,408-$34
22Hyundai Tucson$1,416-$26
23Chevrolet Bolt$1,420-$22
24Chevrolet Equinox$1,424-$18
25Volkswagen Taos$1,428-$14
26Fiat 500X$1,434-$8
27Toyota RAV4$1,440-$2
28Kia Soul$1,442--
29Mazda MX-30$1,472$30
30Jeep Compass$1,478$36
31Kia Niro$1,480$38
32Nissan Rogue$1,492$50
33Ford Escape$1,498$56
34Hyundai Ioniq 5$1,514$72
35Mini Cooper Clubman$1,516$74
36Jeep Renegade$1,518$76
37Kia Sportage$1,524$82
38Ford Bronco$1,532$90
39Volkswagen ID4$1,554$112
40Mini Cooper$1,564$122
41Mini Cooper Countryman$1,582$140
42Mitsubishi Outlander$1,640$198
43Mitsubishi Mirage$1,658$216
44Ford Mustang Mach-E$1,726$284
45Hyundai Nexo$1,744$302
46Jeep Wrangler$1,746$304

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 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 September 27, 2022
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 $466 cheaper on average than a 2022 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 $874 for a 60-year-old driver rated on a 2013 Kia Soul to the highest rate of $2,626 for a 20-year-old with a 2019 Soul.

Kia Soul Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,862$1,504$1,442$1,316$1,292
2021$2,522$1,324$1,268$1,158$1,136
2020$2,484$1,302$1,248$1,140$1,118
2019$2,626$1,380$1,316$1,204$1,182
2018$2,522$1,322$1,266$1,158$1,136
2017$2,440$1,276$1,222$1,120$1,098
2016$2,444$1,274$1,228$1,124$1,102
2015$2,266$1,184$1,142$1,042$1,022
2014$2,016$1,046$1,016$930$912
2013$1,932$1,002$976$892$874

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume 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 September 27, 2022
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 $444 annually, depending on the deductible level and the age of the rated driver.

How much does Kia Soul insurance cost where I live?

The insurance cost for a Soul varies widely from cheaper premiums like $1,084 a year in Columbus, OH, or $898 in Raleigh, NC, to expensive rates such as $2,390 a year in Los Angeles, CA, and $2,402 in Philadelphia.

The insurance cost for a Kia Soul in some other cities include Seattle, WA, at $1,526 per year, Boston, MA, costing $1,616, Albuquerque, NM, at $1,428, and Colorado Springs, CO, averaging $1,738.

The chart below visualizes typical insurance policy costs for a Kia Soul for the 15 largest cities in America. Additionally, a rate table with more locations is included that displays Soul insurance rates in the top 50 largest cities in America.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 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 September 27, 2022
Kia Soul Insurance Rates in Large U.S. Cities
Kia Soul Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$5,644$470
New Orleans, LA$3,372$281
Miami, FL$2,786$232
New York, NY$2,724$227
Philadelphia, PA$2,402$200
Las Vegas, NV$2,396$200
Los Angeles, CA$2,390$199
Louisville, KY$2,292$191
San Francisco, CA$2,056$171
Jacksonville, FL$2,046$171
Oakland, CA$2,042$170
Sacramento, CA$1,932$161
Baltimore, MD$1,890$158
Long Beach, CA$1,872$156
Tulsa, OK$1,828$152
Oklahoma City, OK$1,818$152
Kansas City, MO$1,818$152
Denver, CO$1,780$148
Memphis, TN$1,780$148
Atlanta, GA$1,756$146
Colorado Springs, CO$1,738$145
Fresno, CA$1,714$143
San Jose, CA$1,702$142
Phoenix, AZ$1,658$138
Portland, OR$1,634$136
San Diego, CA$1,622$135
Boston, MA$1,616$135
Wichita, KS$1,570$131
Chicago, IL$1,568$131
Dallas, TX$1,540$128
Houston, TX$1,534$128
Seattle, WA$1,526$127
Minneapolis, MN$1,516$126
Birmingham, AL$1,512$126
Nashville, TN$1,464$122
Milwaukee, WI$1,458$122
Indianapolis, IN$1,452$121
Mesa, AZ$1,452$121
Albuquerque, NM$1,428$119
Tucson, AZ$1,398$117
San Antonio, TX$1,380$115
Omaha, NE$1,338$112
Fort Worth, TX$1,330$111
El Paso, TX$1,328$111
Austin, TX$1,310$109
Cleveland, OH$1,142$95
Columbus, OH$1,084$90
Charlotte, NC$1,030$86
Virginia Beach, VA$968$81
Raleigh, NC$898$75

What is the average Kia Soul insurance cost in my state?

When looking at average Kia Soul rates from the state level, states like Virginia ($932), Maine ($996), and Iowa ($1,042) tend to have cheaper car insurance rates, while states like Michigan ($2,296), Louisiana ($2,088), and Florida ($2,106) have higher insurance rates.

Other states like Montana, Texas, and Missouri tend to fall closer to the median, with average insurance rates of $1,404, $1,360, and $1,534 per year, respectively.

Kia Soul Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,174$587$98
Alaska$1,266$633$106
Arizona$1,282$641$107
Arkansas$1,542$771$129
California$1,652$826$138
Colorado$1,540$770$128
Connecticut$1,398$699$117
Delaware$1,464$732$122
Florida$2,106$1,053$176
Georgia$1,394$697$116
Hawaii$978$489$82
Idaho$1,138$569$95
Illinois$1,164$582$97
Indiana$1,076$538$90
Iowa$1,042$521$87
Kansas$1,452$726$121
Kentucky$1,678$839$140
Louisiana$2,088$1,044$174
Maine$996$498$83
Maryland$1,300$650$108
Massachusetts$1,182$591$99
Michigan$2,296$1,148$191
Minnesota$1,266$633$106
Mississippi$1,360$680$113
Missouri$1,534$767$128
Montana$1,404$702$117
Nebraska$1,378$689$115
Nevada$1,580$790$132
New Hampshire$870$435$73
New Jersey$1,360$680$113
New Mexico$1,154$577$96
New York$1,534$767$128
North Carolina$916$458$76
North Dakota$1,198$599$100
Ohio$840$420$70
Oklahoma$1,400$700$117
Oregon$1,208$604$101
Pennsylvania$1,212$606$101
Rhode Island$1,700$850$142
South Carolina$1,328$664$111
South Dakota$1,304$652$109
Tennessee$1,142$571$95
Texas$1,360$680$113
Utah$1,190$595$99
Vermont$958$479$80
Virginia$932$466$78
Washington$1,092$546$91
West Virginia$1,296$648$108
Wisconsin$978$489$82
Wyoming$1,324$662$110

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 September 27, 2022
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 $226 per year versus a credit score ranging from 670-739. Conversely, a weak credit rating could cost around $262 more per year.
  • Lower the cost of your policy by increasing deductibles. Boosting your deductibles from $500 to $1,000 could save around $194 per year for a 40-year-old driver and $376 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 $202 per year for a 40-year-old driver and $394 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 $2,026 per year for a 20-year-old driver and as much as $456 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 $246 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 $43 and $159 on your yearly Soul insurance cost, subject to the policy coverages selected.