Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Kia Soul? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Kia Soul car insurance facts

  • Average full coverage auto insurance premium: $111/month

  • Most affordable companies: Auto-Owners Insurance ($79/month) & Texas Farm Bureau ($83/month)

  • Soul car insurance cost vs. average rates: $46 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Kia Soul by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Kia Soul insurer costs by state:

Risk factors affecting Kia Soul car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Kia Soul car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Kia models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Kia automobile brand

Kia Corporation is a South Korean multinational automaker specializing in affordable sport utility vehicles (SUVs) and exceptional reliability for the United States market. Kia is the second-largest auto manufacturer in South Korea after Hyundai. The target audience of Kia is young couples that are physically active with a high interest in new technology. All Kia automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Kia Forte, Kia Soul, Optima, and Kia Sorento are some of their most popular vehicles.

High Kia Soul repair costs equal high coverage rates

Many consumers are attracted to Kia’s high-tech innovations and features, increased value for the money, and driver-assist technologies, like Kia’s DriveWise safety features. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Kia is higher than average since repair parts are slightly more expensive. For this reason, many Kias are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Kia Soul affecting auto policies

Another factor to consider for Kia is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Kia models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Kia IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Kias are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Kia’s DriveWise technology innovations and safety, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Kia models. The Kia Forte, Stinger, Sportage, and Sorento are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Kia automobiles top safety ratings each year lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Kia automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Kia Soul

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1861
Acuity$1826
Allstate$1426
Auto-Owners$953
Direct Auto$1786
Erie$1097
GEICO$1164
Kentucky Farm Bureau$1640
Liberty Mutual$1375
Nationwide$1320
Progressive$1632
Safe Auto$1463
State Farm$1198
Tennessee Farmers$1080
Texas Farm Bureau$1002
The Hanover$1744
Travelers$1274
USAA$1246

Compare all 2021 Kia Soul rates

Average Cost to Insure Per Year

$1320

List Price

$17590

Trims Available

Base - + - ! - Base Engine: 2.0-liter four-cylinder engine at 147 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2020 Kia Soul

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1830
Allstate$1416
Auto-Owners$946
Erie$1086
Farmers$1625
GEICO$1109
Liberty Mutual$1338
Mercury$1526
Nationwide$1260
Progressive$1600
State Farm$1140
Tennessee Farmers$1066
Texas Farm Bureau$980
The Hanover$1740
Travelers$1216
USAA$1150

Compare all 2020 Kia Soul rates

Average Cost to Insure Per Year

$1295

List Price

$17490

Trims Available

Base - + - ! - Base Engine: 2.0-liter four-cylinder engine at 147 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2019 Kia Soul

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1820
Allstate$1415
Auto-Owners$936
Erie$1080
GEICO$1105
Kentucky Farm Bureau$1684
Liberty Mutual$1332
Mercury$1490
Nationwide$1257
Progressive$1587
State Farm$1123
Tennessee Farmers$1062
Texas Farm Bureau$978
The Hanover$1735
Travelers$1190
USAA$1148

Compare all 2019 Kia Soul rates

Average Cost to Insure Per Year

$1290

List Price

$16490

Trims Available

Base - + - ! - Base Engine: 2.0-liter four-cylinder engine at 147 horsepower with driver assist technologies (Kia Drive WiSE): Blind-Spot Collision Avoidance Assist-Rear (BCA-R), Forward Collison-Avoidance Assist (FCA), Lane Keep Assist (LKA), Rear Cross-Traffic Collison-Avoidance (RCCA), Safe Exit Assist (SEA), Adaptive Cruise Control with stop-and-go capability, automatic forward emergency braking, with passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes. Brake Assist, Daytime Running Lights, Integrated Turn Signal Mirrors

2018 Kia Soul

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1154
Acuity$ 1154
Allied$ 1013
Allied$ 1013
American Family$ 1289
American Family$ 1289
Arbella$ 1250
Arbella$ 1250
Country$ 1236
Country$ 1236
Erie$ 1045
Erie$ 1045
Mercury$ 1230
Mercury$ 1230
Nationwide$ 1225
Nationwide$ 1225
Plymouth Rock Insurance$ 990
Plymouth Rock Insurance$ 990
Tennessee Farmers$ 974
Tennessee Farmers$ 974
USAA$ 1096
USAA$ 1096
Vermont Mutual$ 1061
Vermont Mutual$ 1061

Compare all 2018 Kia Soul rates

Average Cost to Insure Per Year

$ 1553

List Price

$ 16200

Trims Available

Base - + - !

2017 Kia Soul

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1194
Acuity$ 1194
Allied$ 1086
Allied$ 1086
Erie$ 1032
Erie$ 1032
GEICO$ 1246
GEICO$ 1246
Mercury$ 1200
Mercury$ 1200
Nationwide$ 1249
Nationwide$ 1249
Plymouth Rock Insurance$ 967
Plymouth Rock Insurance$ 967
Progressive$ 1183
Progressive$ 1183
Tennessee Farmers$ 975
Tennessee Farmers$ 975
Texas Farm Bureau$ 800
Texas Farm Bureau$ 800
USAA$ 980
USAA$ 980
Vermont Mutual$ 1106
Vermont Mutual$ 1106

Compare all 2017 Kia Soul rates

Average Cost to Insure Per Year

$ 1141

List Price

$ 16100

Trims Available

Base - + - !

2016 Kia Soul

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1034
Acuity$ 1034
Allied$ 1045
Allied$ 1045
American Family$ 1053
American Family$ 1053
Arbella$ 1059
Arbella$ 1059
Country$ 1095
Country$ 1095
Erie$ 911
Erie$ 911
GEICO$ 1103
GEICO$ 1103
Plymouth Rock Insurance$ 921
Plymouth Rock Insurance$ 921
Tennessee Farmers$ 924
Tennessee Farmers$ 924
Texas Farm Bureau$ 827
Texas Farm Bureau$ 827
USAA$ 1009
USAA$ 1009
Vermont Mutual$ 879
Vermont Mutual$ 879

Compare all 2016 Kia Soul rates

Average Cost to Insure Per Year

$ 1152

List Price

$ 15900

Trims Available

Base - + - !

2015 Kia Soul

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1025
Acuity$ 1025
Allied$ 1072
Allied$ 1072
American Family$ 1108
American Family$ 1108
Country$ 1098
Country$ 1098
Erie$ 898
Erie$ 898
GEICO$ 970
GEICO$ 970
Progressive$ 1023
Progressive$ 1023
State Farm$ 1112
State Farm$ 1112
Tennessee Farmers$ 959
Tennessee Farmers$ 959
Texas Farm Bureau$ 775
Texas Farm Bureau$ 775
USAA$ 908
USAA$ 908
Vermont Mutual$ 875
Vermont Mutual$ 875

Compare all 2015 Kia Soul rates

Average Cost to Insure Per Year

$ 1050

List Price

$ 15190

Trims Available

Base - + - !

2014 Kia Soul

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 957
Acuity$ 957
Allied$ 1114
Allied$ 1114
Arbella$ 1051
Arbella$ 1051
Country$ 1048
Country$ 1048
Erie$ 908
Erie$ 908
GEICO$ 911
GEICO$ 911
Plymouth Rock Insurance$ 905
Plymouth Rock Insurance$ 905
Progressive$ 1006
Progressive$ 1006
Tennessee Farmers$ 918
Tennessee Farmers$ 918
Texas Farm Bureau$ 666
Texas Farm Bureau$ 666
USAA$ 877
USAA$ 877
Vermont Mutual$ 796
Vermont Mutual$ 796

Compare all 2014 Kia Soul rates

Average Cost to Insure Per Year

$ 1016

List Price

$ 14900

Trims Available

Base - + - !

2013 Kia Soul

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 965
Acuity$ 965
American Family$ 996
American Family$ 996
Erie$ 765
Erie$ 765
GEICO$ 650
GEICO$ 650
Nationwide$ 1030
Nationwide$ 1030
Plymouth Rock Insurance$ 866
Plymouth Rock Insurance$ 866
Progressive$ 778
Progressive$ 778
State Farm$ 835
State Farm$ 835
Tennessee Farmers$ 921
Tennessee Farmers$ 921
Texas Farm Bureau$ 743
Texas Farm Bureau$ 743
USAA$ 744
USAA$ 744
Vermont Mutual$ 808
Vermont Mutual$ 808

Compare all 2013 Kia Soul rates

Average Cost to Insure Per Year

$ 911

List Price

$ 14400

Trims Available

Base - + - !

2012 Kia Soul

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 907
Acuity$ 907
American Family$ 922
American Family$ 922
Erie$ 725
Erie$ 725
GEICO$ 495
GEICO$ 495
Nationwide$ 993
Nationwide$ 993
Plymouth Rock Insurance$ 852
Plymouth Rock Insurance$ 852
Progressive$ 759
Progressive$ 759
State Farm$ 777
State Farm$ 777
Tennessee Farmers$ 891
Tennessee Farmers$ 891
Texas Farm Bureau$ 706
Texas Farm Bureau$ 706
USAA$ 672
USAA$ 672
Vermont Mutual$ 759
Vermont Mutual$ 759

Compare all 2012 Kia Soul rates

Average Cost to Insure Per Year

$ 856

List Price

$ 13900

Trims Available

Base - + - ! - Red Rock Special Edition

2011 Kia Soul

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 930
American Family$ 930
Arbella$ 855
Arbella$ 855
Country$ 999
Country$ 999
Erie$ 776
Erie$ 776
GEICO$ 654
GEICO$ 654
Plymouth Rock Insurance$ 841
Plymouth Rock Insurance$ 841
Progressive$ 846
Progressive$ 846
State Farm$ 1023
State Farm$ 1023
Tennessee Farmers$ 888
Tennessee Farmers$ 888
Texas Farm Bureau$ 709
Texas Farm Bureau$ 709
USAA$ 735
USAA$ 735
Vermont Mutual$ 736
Vermont Mutual$ 736

Compare all 2011 Kia Soul rates

Average Cost to Insure Per Year

$ 931

List Price

$ 13300

Trims Available

Base - + - ! - Sport - White Tiger Special Edition