Kia Soul EV Insurance Rates

Average auto insurance rates for a Kia Soul EV are $1,266 annually for full coverage insurance. Comprehensive insurance costs around $248 each year, collision insurance costs $400, and liability is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs $2,736 or more. Teenage drivers receive the highest rates at up to $4,866 a year.

Average premium for full coverage: $1,266

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Soul EV models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

These examples illustrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below illustrates average Kia Soul EV insurance rates for additional coverage choices and driver risks.

• The best discount rate is $743
• Raising to $1,000 deductibles will save about $146 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,266
• Using low deductibles costs an additional $284 every year
• At-risk drivers who are prone to accidents and violations could pay at least $2,736
• The cost with full coverage for a teen driver can be $4,866

View Chart as Image

Car insurance rates for a Kia Soul EV can also vary considerably based on the trim level of your Soul EV, your risk profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $430 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Kia Soul EV insurance prices. A middle-age driver might find rates as low as $830 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,710 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy the Best Cheap Kia Soul EV Insurance

Saving money on car insurance consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around every other policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a quick review of the ideas that were touched on above.

• Youthful drivers are the costliest to insure, costing up to $406 per month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,470 more every year than a low-risk driver
• Increasing deductibles could save up to $425 each year
• It is possible to save up to $150 per year just by quoting online in advance