Kia Soul Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Kia Soul costs about the same to insure as the average SUV.

• Liability only auto insurance prices for a Soul tend to be around $77 per month, while full coverage generally tends to be about $148.

• Kemper Personal Insurance is the lowest car insurance carrier for a Soul.

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Soul Overview

With a base price of just $19,190 for 2022 models, the Kia Soul is a great SUV for all budgets. It's not just on the affordable end of the spectrum when it comes to overall price point, it's also a smart choice for your budget when thinking about your future insurance premiums.

Based on thousands of auto insurance quotes from Compare.com, we've found that Kia Soul insurance rates are around $147 monthly, on average. How do car insurance premiums for the Soul compare to prices of other similar SUVs?

How Much is Car Insurance for a Kia Soul?

If you look at the table above, you'll see that compared to other vehicles, Kia Soul insurance rates are cheaper than average. Soul drivers usually pay about $148 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $77 monthly for liability only insurance (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Comparing it to other models, the Soul is less expensive, with prices around 13% lower than other vehicles in Kia's lineup. Likewise, compared to other vehicles of a similar body style, Soul coverage is more affordable than average, with both full coverage and liability only insurance averaging less expensive premiums than other SUVs.

Overall, they're just more affordable to insure than the average vehicle, no matter what body style, make, or model they are.

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Who has the Cheapest Car Insurance for a Kia Soul?

Looking for a car insurance policy for your Kia Soul? You may be wondering which company offers the lowest prices. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $21 per month from Ohio Mutual. With car insurance as low as $29 per month, ACG is the next most affordable auto insurance carrier.

Completing the top 5 companies are American Family, NationalGeneral, and Shelter Mutual. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Kia Soul.

Auto insurance companies use many things and complex formulas to calculate premiums. Because every driver is different, there's only one way to ensure you get the cheapest prices, and that's by getting personalized quotes and comparing rates from a bunch of car insurance carriers.

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What Factors Affect Car Insurance Rates for a Kia Soul?

There are a whole bunch of factors that insurance companies reference to determine how much to charge -- and every company weighs certain factors more than others, so there's not one carrier that's the lowest for each driver.

The sections below show a multitude of variables car insurance carriers use to calculate rates:

Vehicle Age

Kia has been making the Soul for quite some time -- and that means the car's age may make a difference in how much you'll pay for insurance. Generally, it costs more to insure newer cars because they're worth more, however, as time goes on and Souls begin to depreciate, insurance costs will gradually decrease.

Based on the information in the table above, the Kia Soul is an outlier, as the most expensive models to insure are those that are 11 to 14 years old, while on average, the cheapest Souls are 1 year old or less.

Your Age

Age is another variable that plays a significant role in how much you pay for auto insurance. As you can see above, older drivers have less expensive rates compared to teenage Soul drivers. Kia Soul drivers under 18 actually pay $48 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group for Soul drivers being 55-64.

Your Gender

Because women are less likely to get tickets and get into accidents, they are less likely to file a claim with insurance. So, women typically pay less for car insurance than men. The Kia Soul follows this convention, and men pay about $1 more than women a month for insurance.

Where You Live

You're probably already aware that things like how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live is just as important? Since car insurance is regulated on the state level and not nationally, prices fluctuate quite a bit depending on what state you live in.

For example, the average Kia Soul owner from New York pays around $132 per month for liability coverage, while the same driver from California will pay less than 50% of that price, on average. The table above shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

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Kia Soul Car Insurance Discounts

Regardless of your home state, your car, or your age, using as many discounts as possible when it comes to your insurance is always important when shopping around for a policy.

While no two auto insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Multi-policy discounts for getting both your home and auto policies from the same company
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Pay-in-full discounts for drivers who agree to pay their entire policy rate up front, rather than by monthly payments
• Multi-vehicle discounts for having more than one car on your auto policy

While discounts are always a good way to save money on your car insurance, some of the best ways to save are just by having a positive insurance profile and good driving history.

You obviously can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), but there is quite bit in your control. Below are just a few of the variables you can use to your favor in order to save on insurance:

Your Driving Record

You've almost certainly heard ads from car insurance carriers offering large savings for good drivers. It should be no surprise that your insurance rates will go higher if you get a speeding ticket or get into a collision. But how much will they cost you?

As you can see from the table above, accidents will usually cost Soul drivers more than tickets, but both will cause a significant increase in rates. Kia Soul drivers with one ticket will pay an average of $95 monthly, while drivers with a single accident on their record pay about $96 every month (up $19 from the $77/mo. overall average). The rates only go up the more accidents you have or tickets you get.

How Much You Drive

The total distance you drive each year affects your auto insurance premiums. Those who drive less are more likely to go accident-free, so they'll normally get lower prices. In the table above, you can see that Kia Soul owners who drive 10,000 miles or more pay $75 for insurance, while those who drive fewer than 2,500 miles per year pay about $66 per month.

If you work from home or drive less often than the average driver, you might consider a usage-based or pay-per-mile car insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Kia Souls Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Kia Soul is on your shortlist, you're probably wondering how it compares to other cars. Insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth taking into consideration.

Visit the table below to see how the Kia Soul compares:

Overall, the Kia Soul is a great value for any budget, with an MSRP that's less than half of the going rate for a new vehicle. The Soul has a base price of $19,190, which is much cheaper than the national average vehicle price of $42,283.

In the same fashion, auto insurance rates run below average when compared to the rest of the vehicle market. Full coverage insurance for a Kia Soul is about $12 a month cheaper than average, while liability only coverage is over $30 less monthly.

When it comes to usage, Kia Soul owners drive about the same amount annually as the national average, with 11,660 miles a year for all vehicles compared to the Soul's 12,285 each year.

Kia Soul Car Insurance Costs by Model Year

You've seen how different factors can have an impact on what you'll pay for car insurance. But if you're considering purchasing a new Soul, knowing what you'll likely pay for the specific car you're looking at can be extremely helpful as you weigh your options.

For this reason, we've decided to break down Kia Soul auto insurance premiums by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options, as well as some other helpful info, like cheapest insurance carrier, base price, and even available trims for each year the Soul has been around.

Choose Your Model

2022 Kia Soul Car Insurance 2021 Kia Soul Car Insurance 2020 Kia Soul Car Insurance 2019 Kia Soul Car Insurance 2018 Kia Soul Car Insurance 2017 Kia Soul Car Insurance 2016 Kia Soul Car Insurance 2015 Kia Soul Car Insurance 2014 Kia Soul Car Insurance 2013 Kia Soul Car Insurance 2012 Kia Soul Car Insurance 2011 Kia Soul Car Insurance 2010 Kia Soul Car Insurance

2022 Kia Soul Car Insurance

You can expect full coverage for a 2022 Soul to run around $157 a month, while liability only coverage will average about $44 per month.

If you're looking for the cheapest possible 2022 Kia Soul insurance policy, DirectGeneral offered the cheapest policy we found, with rates sometimes as low as $31 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2021 Kia Soul Car Insurance

On average, drivers who own a 2021 Kia Soul can expect to pay $58 to $149 a month for liability only and full coverage insurance, respectively.

We found Hugo offered the most affordable policy, with rates as little as just $26 per month.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get several customized quotes for free.

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2020 Kia Soul Car Insurance

2020 Soul drivers can expect to pay an average of $75 monthly for liability or $151 for full coverage.

With prices as cheap as $24 a month, Mercury offered the cheapest policy we found for the 2020 Kia Soul.

If you want to know exactly how much you can expect to pay for your Soul, just enter your ZIP code below and get several free quotes in minutes.

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2019 Kia Soul Car Insurance

The average cost to insure a 2019 Kia Soul with liability only coverage is $64 per month, while full coverage runs around $154 a month.

Looking for the most affordable policy? AnswerFinancial offered liability only coverage for sometimes as little as $19 monthly.

Want to know exactly what your auto insurance price will be? Enter your ZIP code below to get lots of free customized quotes.

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2018 Kia Soul Car Insurance

It costs about $78 per month for liability or $166 for a full coverage policy for the 2018 Soul.

With rates as little as $18 monthly, Dairyland offered the lowest policy we found.

If you want to find the best premiums for insurance for a 2018 Kia Soul, enter your ZIP code below and compare a variety of personalized quotes in just a few minutes.

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2017 Kia Soul Car Insurance

2017 Kia Soul drivers can expect to pay an average of $75 a month for liability or $171 for full coverage.

Hugo offered the cheapest policy we found, with rates as low as just $18 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2016 Kia Soul Car Insurance

On average, drivers who own a 2016 Soul can expect to pay $79 to $151 per month for liability only and full coverage car insurance, respectively.

MetLife has rates as cheap as just $17 a month for the 2016 Kia Soul.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2016 Kia Soul, you can get free quotes in minutes by just entering your ZIP code below.

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2015 Kia Soul Car Insurance

The average cost to insure a 2015 Kia Soul with liability only coverage is $78 per month, while full coverage runs around $149 a month.

If you're looking for the most affordable 2015 Kia Soul insurance policy, Safeco offered the most affordable policy we found, with rates sometimes as cheap as $16 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2014 Kia Soul Car Insurance

You can expect full coverage for a 2014 Soul to run about $141 a month, while liability only coverage will average around $71 monthly.

Looking for the lowest policy? Commonwealth Casualty offered liability only coverage for as low as just $16 per month.

Want to find the cheapest rates? Get a variety of customized quotes for free by just entering your ZIP code below.

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2013 Kia Soul Car Insurance

It costs about $80 a month for liability or $145 for a full coverage policy for the 2013 Kia Soul.

With prices as cheap as just $16 per month, Clearcover offered the most affordable policy we found.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2012 Kia Soul Car Insurance

The average cost to insure a 2012 Soul with liability only coverage is $72 monthly, while full coverage runs around $139 a month.

MetLife offered the lowest policy we found, with rates as low as $18 monthly.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get multiple free personalized quotes.

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2011 Kia Soul Car Insurance

You can expect full coverage for a 2011 Kia Soul to run about $133 per month, while liability only coverage will average around $83 a month.

We found Safeco offered the cheapest policy, with rates as little as just $17 per month.

These average premiums are a great starting point if you're in the market for a 2011 Kia Soul, but there are a range of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2010 Kia Soul Car Insurance

It costs about $82 monthly for liability or $132 for a full coverage policy for the 2010 Soul.

With prices as little as $18 per month, Liberty Mutual offered the lowest policy we found for the 2010 Kia Soul.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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Kia Soul Insurance FAQs

Is a Kia Soul expensive to insure?

Liability insurance runs an average of $77 monthly, while full coverage will cost you around $148. When compared to the national average of all vehicles, the cost of car insurance is about on par with the cost of insuring the average vehicle.

How can I get the best price on car insurance for my Kia Soul?

The only way to be confident you're getting the most affordable price on insurance is to check prices regularly and compare quotes from a lot of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from several carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Kia Soul affect my insurance prices?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not true. There are a variety of factors auto insurance companies examine when they calculate how much your policy will be, but your Kia Soul's color is not factored into that equation.

Do I need to have insurance before I buy a Kia Soul?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a car insurance policy in place. Some dealerships will offer you an insurance policy as part of the buying process, but the easiest thing to do is to let your insurance company know ahead of time.

What car insurance discounts can I get for my Kia Soul?

There are a ton of discounts out there for car insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your car and more on you, but if your Soul has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, talk with your insurance agent and ask about their list of discounts.