Kia Soul Car Insurance Cost
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UPDATED: Jun 22, 2022
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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
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Average full coverage auto insurance premium: $111/month
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Most affordable companies: Auto-Owners Insurance ($79/month) & Texas Farm Bureau ($83/month)
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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.
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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:
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California car insurance – $1,712 per year
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Kentucky car insurance – $1,470 per year
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Florida car insurance – $2,021 per year
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Georgia car insurance – $1,649 per year
- New York car insurance – $2,180 per year
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North Carolina car insurance – $926 per year
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 score, type 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
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Student discounts
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Safe drivers
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Senior discounts
With all Kia models, you can get the following car insurance discounts:
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Passive restraint systems
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Anti-lock brakes
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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 Toyota, Honda, 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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
2021 Kia Soul
Cheapest Insurance Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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