Kia Soul Insurance Rates

The average insurance rates for a Kia Soul are $1,282 a year including full coverage. Comprehensive insurance costs around $284 a year, collision costs $476, and liability costs $364. A liability-only policy costs as little as $430 a year, with high-risk insurance costing $2,758 or more. Teen drivers cost the most to insure at $4,762 a year or more.

Annual premium for full coverage: $1,282

Policy rates for individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Kia Soul Trim Level

These price differences highlight why it is important for drivers to compare rates for a specific zip code, instead of using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Kia Soul also range considerably based on the model year of your Soul, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 131% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records will be charged as much as $4,700 a year. View Rates by Age

Your home state makes a big difference in Kia Soul insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $510 every year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

Because prices have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best price. Every company uses a different rate calculation, so rate quotes will be varied.

View Chart as Image

The chart above shows average Kia Soul insurance prices for different risks and coverage choices. The best price after discounts is $748. Drivers who choose higher $1,000 deductibles will pay $1,110. The average price for a driver age 40 with no violations using $500 deductibles is $1,282. Choosing low $100 deductibles for collision and other-than-collision coverage can cost as much as $1,618. High risk drivers could be charged around $2,758. The cost for full coverage for a 16-year-old driver is $4,762.

View Chart as Image