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 $1,614 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 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 $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.

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 August 12, 2023
Kia Soul Insurance Cost Summary
2023 Kia Soul Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,658$305
Safe Driver Age 20$3,204$267
At-fault Accidents Age 40$2,294$191
Low Deductibles Age 40$2,026$169
Safe Driver Age 30$1,678$140
Safe Driver Age 40$1,614$135
Safe Driver Age 50$1,472$123
Safe Driver Age 60$1,442$120
High Deductibles Age 40$1,398$117
Discount Rate Age 40$1,338$112

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.

2023 Kia Soul Insurance Cost by Trim Level
Kia Soul Trim Level Annual Policy Six-Month Policy Per Month
LX$1,550$775$129
S$1,614$807$135
GT-Line$1,636$818$136
EX$1,652$826$138

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 August 11, 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 $1,614 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.

Insurance Cost Comparison: Kia Soul vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Trailblazer$1,370-$244
2Subaru Crosstrek$1,380-$234
3Nissan Kicks$1,386-$228
4Nissan Rogue Sport$1,412-$202
5Mazda CX-5$1,422-$192
6Buick Encore$1,442-$172
7Buick Envision$1,446-$168
8Kia Seltos$1,466-$148
9Hyundai Venue$1,478-$136
10Honda HR-V$1,508-$106
11Hyundai Kona$1,518-$96
12Subaru Forester$1,526-$88
13Honda CR-V$1,534-$80
14Mazda CX-30$1,538-$76
15Chevrolet Trax$1,558-$56
16Volkswagen Tiguan$1,572-$42
17Ford Bronco Sport$1,576-$38
18Fiat 500X$1,606-$8
19GMC Terrain$1,608-$6
20Kia Soul$1,614--
21Mitsubishi Eclipse Cross$1,616$2
22Chevrolet Equinox$1,630$16
23Toyota Corolla Cross$1,634$20
24Volkswagen Taos$1,640$26
25Mazda CX-50$1,652$38
26Hyundai Tucson$1,656$42
27Ford Escape$1,660$46
28Nissan Rogue$1,666$52
29Toyota RAV4$1,676$62
30Mazda MX-30$1,680$66
31Kia Niro$1,682$68
32Mini Cooper$1,690$76
33Jeep Compass$1,700$86
34Mini Cooper Clubman$1,720$106
35Jeep Renegade$1,746$132
36Chevrolet Bolt$1,756$142
37Toyota bz4X$1,758$144
38Kia Sportage$1,810$196
39Hyundai Ioniq 5$1,814$200
40Mini Cooper Countryman$1,860$246
41Mitsubishi Mirage$1,868$254
42Mitsubishi Outlander$1,872$258
43Volkswagen ID4$1,880$266
44Kia EV6$1,920$306
45Dodge Hornet$1,922$308
46Hyundai Nexo$1,990$376
47Ford Mustang Mach-E$2,048$434

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on August 12, 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, 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.

Kia Soul Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Kia Soul$3,204$1,614$1,442
2022 Kia Soul$3,202$1,616$1,442
2021 Kia Soul$2,844$1,428$1,278
2020 Kia Soul$2,804$1,408$1,262
2019 Kia Soul$2,934$1,474$1,316
2018 Kia Soul$2,818$1,412$1,264
2017 Kia Soul$2,692$1,354$1,210
2016 Kia Soul$2,716$1,366$1,224
2015 Kia Soul$2,476$1,248$1,118
2014 Kia Soul$2,228$1,122$1,006
2013 Kia Soul$2,144$1,084$970

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 August 12, 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 $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.

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 August 12, 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$2,802$234
Philadelphia, PA$2,488$207
Las Vegas, NV$2,480$207
Los Angeles, CA$2,476$206
San Francisco, CA$2,150$179
Kansas City, MO$1,918$160
Oklahoma City, OK$1,918$160
Denver, CO$1,878$157
Memphis, TN$1,878$157
Atlanta, GA$1,856$155
San Jose, CA$1,804$150
Phoenix, AZ$1,756$146
Portland, OR$1,736$145
San Diego, CA$1,728$144
Boston, MA$1,720$143
Jacksonville, FL$1,712$143
Chicago, IL$1,672$139
Dallas, TX$1,644$137
Houston, TX$1,636$136
Seattle, WA$1,632$136
Nashville, TN$1,568$131
Milwaukee, WI$1,562$130
Albuquerque, NM$1,536$128
San Antonio, TX$1,488$124
Omaha, NE$1,446$121
Fort Worth, TX$1,440$120
Austin, TX$1,422$119
Indianapolis, IN$1,298$108
Columbus, OH$1,200$100
Charlotte, NC$1,144$95

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.

Kia Soul Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,446$723$121
Alaska$1,222$611$102
Arizona$1,472$736$123
Arkansas$1,678$839$140
California$1,932$966$161
Colorado$1,718$859$143
Connecticut$1,782$891$149
Delaware$1,822$911$152
Florida$1,980$990$165
Georgia$1,638$819$137
Hawaii$1,104$552$92
Idaho$1,152$576$96
Illinois$1,412$706$118
Indiana$1,206$603$101
Iowa$1,086$543$91
Kansas$1,580$790$132
Kentucky$1,716$858$143
Louisiana$1,896$948$158
Maine$978$489$82
Maryland$1,494$747$125
Massachusetts$1,746$873$146
Michigan$2,168$1,084$181
Minnesota$1,380$690$115
Mississippi$1,564$782$130
Missouri$1,804$902$150
Montana$1,474$737$123
Nebraska$1,346$673$112
Nevada$1,912$956$159
New Hampshire$1,086$543$91
New Jersey$1,934$967$161
New Mexico$1,326$663$111
New York$1,852$926$154
North Carolina$1,014$507$85
North Dakota$1,336$668$111
Ohio$1,130$565$94
Oklahoma$1,766$883$147
Oregon$1,502$751$125
Pennsylvania$1,542$771$129
Rhode Island$1,980$990$165
South Carolina$1,350$675$113
South Dakota$1,644$822$137
Tennessee$1,528$764$127
Texas$1,494$747$125
Utah$1,410$705$118
Vermont$1,174$587$98
Virginia$1,078$539$90
Washington$1,450$725$121
West Virginia$1,432$716$119
Wisconsin$1,156$578$96
Wyoming$1,428$714$119

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 August 12, 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 $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.