Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 25, 2020

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Key takeaways:

  • Full coverage costs around $1,338 a year or $112 each month
  • A liability-only policy costs around $536 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,890 a year or $408 each month
  • Good drivers can save as much as $552 a year by earning policy discounts
  • Kia Soul insurance costs around $181 less per year than the average vehicle

Kia Soul insurance rates are $181 cheaper than the average vehicle. Full coverage costs $112 per month and liability-only coverage costs $45. You can save up to $552 per year through policy discounts if you’re a good driver. Continue reading to learn how you can save money on Kia Soul insurance rates.

You can start comparing quotes for Kia Soul insurance rates from some of the best auto insurance companies by using our free online tool now.

Kia Soul Insurance Cost

The average Kia Soul auto insurance costs are $1,338 a year or $112 a month.

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Are Kia Souls Expensive to Insure?

The chart below details how Kia Soul insurance rates compare to other hatchbacks like the Toyota Yaris and FIAT 500L.

Vehicle Comprehensive Collision Liability Total
Kia Soul $308 $500 $372 $1,338
Toyota Yaris $256 $478 $398 $1,290
FIAT 500L $256 $478 $450 $1,364
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However, there are a few things you can do to find the cheapest Kia insurance rates online.

What Impacts the Cost of Kia Soul Insurance?

The Kia Soul trim and model you choose can impact the total price you will pay for Kia Soul insurance coverage.

Age of the Vehicle

Older Kia Soul models generally cost less to insure. For example, auto insurance rates for a 2020 Kia Soul are $1,338, while 2010 Kia Soul rates are $1,112, a difference of $226.

Model Year Comprehensive Collision Liability Total
2020 Kia Soul $308 $500 $372 $1,338
2019 Kia Soul $294 $482 $390 $1,324
2018 Kia Soul $282 $478 $398 $1,316
2017 Kia Soul $272 $466 $416 $1,312
2016 Kia Soul $262 $446 $430 $1,296
2015 Kia Soul $248 $430 $442 $1,278
2014 Kia Soul $238 $400 $452 $1,248
2013 Kia Soul $230 $376 $456 $1,220
2012 Kia Soul $220 $338 $460 $1,176
2011 Kia Soul $206 $310 $460 $1,134
2010 Kia Soul $198 $292 $464 $1,112
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Driver Age

Driver age can have a significant effect on Kia Soul insurance rates. For example, 20-year-old drivers pay $1,636 more for their Kia Soul auto insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Kia Soul insurance rates. For example, drivers in Jacksonville may pay $803 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Kia Soul auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Kia Soul auto insurance with violations on their driving record.

Kia Soul Safety Ratings

The Kia Soul’s safety ratings will affect your Kia Soul auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Kia Soul Crash Test Ratings

Poor Kia Soul crash test ratings could mean higher Kia Soul insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Kia Soul SUV FWD 4 stars 4 stars 5 stars 4 stars
2020 Kia Soul Electric SUV FWD N/R N/R N/R N/R
2019 Kia Soul SUV FWD 5 stars 5 stars 5 stars 4 stars
2019 Kia Soul EV SUV FWD N/R N/R N/R N/R
2018 Kia Soul SUV FWD 5 stars 5 stars 5 stars 4 stars
2018 Kia Soul EV SUV FWD N/R N/R N/R N/R
2017 Kia Soul SUV FWD 5 stars 5 stars 5 stars 4 stars
2017 Kia Soul EV SUV FWD N/R N/R N/R N/R
2016 Kia Soul SUV FWD 5 stars 5 stars 5 stars 4 stars
2016 Kia Soul Ev SUV FWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Kia Soul Safety Features

Having a variety of safety features on your Kia Soul can help lower your insurance costs. According to AutoBlog, the 2020 Kia Soul’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control

Kia Soul Insurance Loss Probability

The lower percentage means lower Kia Soul auto insurance costs; higher percentages mean higher Kia Soul auto insurance costs. Compare the following Kia Soul auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

Insurance Coverage Category Loss Rate
Collision -11%
Property Damage -2%
Comprehensive -16%
Personal Injury 38%
Medical Payment 38%
Bodily Injury 18%
Source: Insurance Institute for Highway Safety
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Kia Soul Finance and Insurance Cost

If you are financing a Kia Soul, most lenders will require your carry higher Kia Soul coverages including comprehensive coverage, so be sure to compare Kia Soul insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Kia Soul Insurance

Drivers can end up saving more money on their Kia Soul insurance rates by employing any one of the following strategies.

  • Buy a Dashcam for Your Kia Soul
  • Add a More Experienced Driver to Your Kia Soul Policy
  • Consider Using a Tracking Device on Your Kia Soul
  • Move to an Area with a Lower Cost of Living
  • Ask About Student Discounts

Top Kia Soul Insurance Companies

Several top auto insurance companies offer competitive rates for the Kia Soul rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Kia Soul drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Kia Soul Insurance Quotes Online

Save on your Kia Soul insurance rates by taking advantage of our FREE comparison tool.