Kia Soul EV Insurance Rates
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UPDATED: Apr 6, 2024
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The average insurance rates for a Kia Soul EV are $1,266 a year including full coverage. Comprehensive insurance costs on average $248 each year, collision costs $400, and liability costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing $2,736 or more. 16-year-old drivers cost the most to insure at $4,866 a year or more.
Average premium for full coverage: $1,266
Policy rates by type of insurance:
Estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Soul EV models.
Price Range Variability
For a 40-year-old driver, Kia Soul EV insurance rates go from as low as $510 for minimum levels of liability insurance to a high rate of $2,736 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities.
The graphic below illustrates how your location can change car insurance rates.
The examples above highlight why all drivers should compare rates based on a specific location and risk profile, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down estimated Kia Soul EV insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $743
- Drivers who choose higher $1,000 deductibles will pay around $146 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,266
- Buying low deductibles for comprehensive and collision insurance will cost an extra $284 every year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,736 or more
- Policy cost for full coverage for a teen driver may cost $4,866 a year
Insurance rates for a Kia Soul EV also range considerably based on your risk profile, the model of your Soul EV, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age
Your home state makes a big difference in Kia Soul EV insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,810 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,146 | -$120 | -9.5% |
| Alaska | $972 | -$294 | -23.2% |
| Arizona | $1,052 | -$214 | -16.9% |
| Arkansas | $1,266 | -$0 | 0.0% |
| California | $1,444 | $178 | 14.1% |
| Colorado | $1,212 | -$54 | -4.3% |
| Connecticut | $1,304 | $38 | 3.0% |
| Delaware | $1,436 | $170 | 13.4% |
| Florida | $1,586 | $320 | 25.3% |
| Georgia | $1,170 | -$96 | -7.6% |
| Hawaii | $910 | -$356 | -28.1% |
| Idaho | $858 | -$408 | -32.2% |
| Illinois | $944 | -$322 | -25.4% |
| Indiana | $954 | -$312 | -24.6% |
| Iowa | $854 | -$412 | -32.5% |
| Kansas | $1,204 | -$62 | -4.9% |
| Kentucky | $1,730 | $464 | 36.7% |
| Louisiana | $1,876 | $610 | 48.2% |
| Maine | $784 | -$482 | -38.1% |
| Maryland | $1,046 | -$220 | -17.4% |
| Massachusetts | $1,014 | -$252 | -19.9% |
| Michigan | $2,202 | $936 | 73.9% |
| Minnesota | $1,062 | -$204 | -16.1% |
| Mississippi | $1,518 | $252 | 19.9% |
| Missouri | $1,124 | -$142 | -11.2% |
| Montana | $1,362 | $96 | 7.6% |
| Nebraska | $1,000 | -$266 | -21.0% |
| Nevada | $1,520 | $254 | 20.1% |
| New Hampshire | $914 | -$352 | -27.8% |
| New Jersey | $1,418 | $152 | 12.0% |
| New Mexico | $1,122 | -$144 | -11.4% |
| New York | $1,336 | $70 | 5.5% |
| North Carolina | $730 | -$536 | -42.3% |
| North Dakota | $1,038 | -$228 | -18.0% |
| Ohio | $876 | -$390 | -30.8% |
| Oklahoma | $1,304 | $38 | 3.0% |
| Oregon | $1,162 | -$104 | -8.2% |
| Pennsylvania | $1,210 | -$56 | -4.4% |
| Rhode Island | $1,692 | $426 | 33.6% |
| South Carolina | $1,148 | -$118 | -9.3% |
| South Dakota | $1,070 | -$196 | -15.5% |
| Tennessee | $1,110 | -$156 | -12.3% |
| Texas | $1,528 | $262 | 20.7% |
| Utah | $938 | -$328 | -25.9% |
| Vermont | $868 | -$398 | -31.4% |
| Virginia | $760 | -$506 | -40.0% |
| Washington | $982 | -$284 | -22.4% |
| West Virginia | $1,162 | -$104 | -8.2% |
| Wisconsin | $878 | -$388 | -30.6% |
| Wyoming | $1,130 | -$136 | -10.7% |
Opting for high physical damage deductibles could save up to $430 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company utilizes a different rate formula, and rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Kia Soul EV | $260 | $446 | $456 | $1,320 |
| 2016 Kia Soul EV | $248 | $400 | $460 | $1,266 |
| 2015 Kia Soul EV | $232 | $368 | $460 | $1,218 |
Rates are averaged for all Kia Soul EV models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Kia Soul EV Insurance
Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around at least every other year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a review of the car insurance concepts illustrated above.
- Higher risk drivers who have several accidents or serious violations may pay on average $1,470 more each year for Soul EV insurance
- You may be able to save as much as $150 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $425 each year
- Policyholders who require higher liability limits will pay around $510 per year to go from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,866 |
| 20 | $2,910 |
| 30 | $1,310 |
| 40 | $1,266 |
| 50 | $1,160 |
| 60 | $1,136 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,550 |
| $250 | $1,420 |
| $500 | $1,266 |
| $1,000 | $1,120 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,266 |
| 50/100 | $1,358 |
| 100/300 | $1,473 |
| 250/500 | $1,772 |
| 100 CSL | $1,404 |
| 300 CSL | $1,657 |
| 500 CSL | $1,841 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,912 |
| 20 | $4,638 |
| 30 | $2,784 |
| 40 | $2,736 |
| 50 | $2,616 |
| 60 | $2,592 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $66 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $523 |
Discounts are estimated and may not be available from every company or in every state.
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