Kia Soul Car Insurance
- The average cost to insure a Kia Soul is $2,101 a year
- The year, trim level, and where you live are all factors that affect your rate
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Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.Â
Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy.Â
Last updated: June 13th, 2024
When comparing the average cost of car insurance for a Kia Soul to the average cost overall, we see that it is slightly lower at $2,101 per year. This suggests that a Kia Soul is not particularly expensive to insure. However, it is important to consider that newer model years and higher trim levels of the Soul can sometimes lead to higher insurance costs. For example, the Soul LX trim level may have fewer advanced safety features compared to higher trim levels, which could potentially lead to lower insurance rates. Ultimately, factors such as the age of the vehicle, the trim level, and the make and model can all impact the cost of car insurance for a Kia Soul.
See what it would cost to insure your Kia Soul at the top insurance companies near you >
Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.Â
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When it comes to the vehicle you drive, the year, trim level, and safety features of your Soul LX will impact the price you pay for car insurance.
Car insurance companies consider many factors when coming up with the price they’ll charge you for a policy. Your vehicle is an important one of these factors. You will typically pay less if your vehicle:
On the other hand, you can expect to pay more for your insurance if your vehicle has a high value or expensive features, modifications, or replacement parts. Vehicles with a high theft rate are also usually more expensive to insure.
Beyond your vehicle itself, insurance companies may also look at your driving habits: how much you drive and what you use your car for. Drivers who use their cars for business or rideshare may pay higher insurance rates. Whereas drivers who have a low annual mileage might pay less.
The trim level of your Soul LX will impact the price you pay for insurance. Some trim levels will have new safety features that could get you a discount, depending on your insurance company. Other trim levels add features that will increase the value of your Soul LX, which will make it more expensive to repair or replace – and insure.
Compare the base model Kia Soul LX to your trim level to see how the trim might impact your rates.
The model year of your Kia Soul will also impact the cost of car insurance. Generally, newer models cost more to insure than older models. A 2023 Soul LX costs about $1,941 to insure on average, so you can expect older model years to be less expensive.
The table below shows the average cost to insure different Soul LX model years in 2024.
Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024.Â
If you’re in the market for a Subcompact SUV, it’s a good idea to see how the Kia Soul stacks up when it comes to insurance. In general, luxury and performance vehicles will be the most expensive to insure in a vehicle class. Economy brands usually have the cheapest insurance rates.
See how expensive it is to insurance a Kia Soul compared to popular other Subcompact SUVs.
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The car insurance you need depends on where you live, if you own your Kia Soul, and your personal needs.
Almost every state has regulations around the minimum coverage types and limits you need. However, you may want more coverage than your state’s requirements, or your lender may have requirements for how much insurance you need.
These are some common types of car insurance coverage you can consider:
1. Liability coverage
In almost every state, liability coverage is required by law. Liability insurance helps cover damage to property and others in an accident you cause.
2. Collision insurance
Collision insurance helps cover damage to your own property in an accident you cause. Collision insurance has a deductible which you have to pay before your insurance kicks in to cover the rest of a claim. If you lease or finance your Kia Soul, you may be required to carry collision coverage.
3. Comprehensive insurance
Comprehensive insurance helps cover damage to your property caused by a non-collision incident. Covered incidents usually cover things like weather damage, theft, or hitting an animal. Comprehensive insurance also has a deductible, and your lender may require you to have this coverage if you lease or finance your Kia Soul.
4. PIP or Medical Payments
In some states, Personal Injury Protection (PIP) or Medical Payments coverage is required. This helps cover medical expenses if you or your passengers are injured in an accident.
5. Uninsured/Underinsured motorist coverage
This type of coverage (required in some states) helps cover repairs to your property if you are in an accident with an uninsured driver. This also usually covers hit and run accidents.
6. Additional coverage or endorsements
The vehicle you drive plays a key role in the price you pay for insurance. However, other factors like where you live, your age, driving record, and many more also factor into the price of your policy. Here are some ways to try to bring the price you pay to insure your Soul LX down:
While the vehicle you drive plays a key role in the price you pay for insurance, other factors like where you live, your age, driving record, and more will also factor into the price of your premium. Here are some ways to try to bring the price you pay to insure your Kia Soul down:
The only way to know you’re not overpaying for car insurance:
Search like a Pro with Rate Retriever
Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive.Â
For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.
These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.Â
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We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.Â
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