KIA Soul Car Insurance Cost 2025
The average cost to insure a KIA Soul is approximately $746 per year. However, your actual premium may vary based on factors such as your age, the car’s model year, location, and other considerations. To get a more personalized estimate, you can refer to our quote tables below.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a KIA Soul, it’s crucial to consider the cost of insurance. On average, insurance for a KIA Soul costs $746 per year. Insurance is a fundamental aspect of car ownership, and understanding its implications is essential before making a decision.
Choosing the right car insurance is vital to avoid unexpected and potentially high expenses in the future. Insufficient coverage in the event of an accident could lead to significant out-of-pocket costs. Additionally, being at fault in an accident could result in increased insurance rates.
With over a decade of experience analyzing car insurance rates, I’ve observed significant variations in these costs. Factors such as age, driving history, and location can greatly impact insurance premiums. Therefore, it’s important to carefully evaluate these factors when selecting a policy.
How Much Does KIA Soul Car Insurance Cost?
On average, KIA Soul drivers can expect to pay around $746 per year for car insurance. However, the actual rate may vary based on factors such as age, driving history, location, and coverage options.
The cost of car insurance for a KIA Soul can vary based on several factors, including location, driving history, vehicle model year, and selected coverage options. A clean driving record typically leads to lower premiums, while accidents or traffic violations can increase costs. Urban areas with heavy traffic generally have higher insurance rates than rural areas. Additionally, choosing comprehensive coverage, which includes both collision and comprehensive protection, will cost more than minimum liability coverage. The insurance cost for a KIA Soul is lower than the average for all KIA models and is also more affordable than the overall average for all cars. To find the best deal, it’s recommended to compare quotes from multiple insurance providers.
| Vehicle | Average Monthly Premium |
| KIA Soul | $146 |
| All KIAs | $171 |
| All Cars | $175 |
Average Insurance Cost Of KIA Soul By Model Year
| Model Year | Average Premium |
| 2024 KIA Soul | $990 |
| 2023 KIA Soul | $552 |
| 2022 KIA Soul | $627 |
| 2021 KIA Soul | $553 |
| 2020 KIA Soul | $673 |
| 2019 KIA Soul | $598 |
| 2018 KIA Soul | $513 |
| 2017 KIA Soul | $505 |
| 2016 KIA Soul | $555 |
| 2015 KIA Soul | $471 |
| 2014 KIA Soul | $438 |
| 2013 KIA Soul | $398 |
| 2012 KIA Soul | $329 |
| 2011 KIA Soul | $329 |
| 2010 KIA Soul | $471 |
2024 KIA Soul Insurance Rates
The average annual insurance cost for a 2024 KIA Soul is $990. However, SECURA Insurance offers the cheapest rates, averaging $746 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $933 |
| Texas Farm Bureau Group | $865 |
| National General | $1,232 |
| PEMCO | $1,144 |
| SECURA Insurance | $746 |
| Travelers | $1,044 |
| New York Central Mutual Fire | $832 |
| Capital Insurance Group | $1,090 |
| Erie | $814 |
| USAA | $1,197 |
2023 KIA Soul Insurance Rates
The average annual insurance cost for a 2023 KIA Soul is $552. However, Kemper Premium offers the cheapest rates, averaging $173 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $941 |
| NatGen Value | $765 |
| American National P | $610 |
| Kemper Personal Insurance | $247 |
| Mercury Insurance | $444 |
| New York Central Mutual Fire | $813 |
| Kemper Auto | Infinity | $201 |
| Kemper Premium | $173 |
| Titan | $925 |
| Safeco | $403 |
2022 KIA Soul Insurance Rates
The average annual insurance cost for a 2022 KIA Soul is $627. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $198 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Advantage | $582 |
| Titan | $903 |
| Victoria | $309 |
| AssuranceAmerica Mobile Max | $198 |
| Dairyland FR Bond | $962 |
| Mercury Insurance | $873 |
| Safeco | $240 |
| American National P | $760 |
| Dairyland Broadform | $627 |
| National General RAD | $814 |
2021 KIA Soul Insurance Rates
The average annual insurance cost for a 2021 KIA Soul is $553. However, Safeco offers the cheapest rates, averaging $146 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide ThreeSixZero | $851 |
| Concord Group | $807 |
| Mercury Insurance | $611 |
| National General Value | $394 |
| NatGen Value | $381 |
| Safeco | $146 |
| AssuranceAmerica Mobile Max | $817 |
| Kemper Personal Insurance | $380 |
| Victoria | $560 |
| MMG Insurance Company | $584 |
2020 KIA Soul Insurance Rates
The average annual insurance cost for a 2020 KIA Soul is $673. However, Safeco offers the cheapest rates, averaging $271 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $475 |
| Mercury Insurance | $816 |
| Kemper Auto | $405 |
| NatGen Value | $671 |
| Safeco | $271 |
| Mercury Insurance Company | $718 |
| American National P | $971 |
| National General RAD | $644 |
| Partners Mutual Insurance Co | $946 |
| NatGen Advantage | $810 |
2019 KIA Soul Insurance Rates
The average annual insurance cost for a 2019 KIA Soul is $598. However, Safeco offers the cheapest rates, averaging $304 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $795 |
| AssuranceAmerica Mobile Max | $383 |
| Kemper Premium | $712 |
| MMG Insurance Company | $794 |
| Dairyland Auto 1 Month | $480 |
| NatGen Value | $657 |
| Safeco | $304 |
| Nationwide ThreeSixZero | $858 |
| American National P&C | $521 |
| AssuranceAmerica | $479 |
2018 KIA Soul Insurance Rates
The average annual insurance cost for a 2018 KIA Soul is $513. However, Safeco offers the cheapest rates, averaging $77 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $585 |
| Infinity Special | $180 |
| Dairyland Broadform | $444 |
| Mercury Insurance | $629 |
| AssuranceAmerica | $820 |
| Kemper Auto Premier | $383 |
| Safeco | $77 |
| Rural Mutual Insurance | $790 |
| AssuranceAmerica Economy | $649 |
| Dairyland FR Bond | $569 |
Find Affordable KIA Soul Insurance Rates
2017 KIA Soul Insurance Rates
The average annual insurance cost for a 2017 KIA Soul is $505. However, Safeco offers the cheapest rates, averaging $151 per year.
| Insurance Provider | Average Annual Cost |
| Commerce Group Inc | $791 |
| Mercury Insurance Company | $430 |
| MMG Insurance Company | $603 |
| Concord Group | $668 |
| AssuranceAmerica Mobile Max | $290 |
| AssuranceAmerica | $294 |
| Mercury Insurance | $190 |
| Patriot Group | $827 |
| Rural Mutual Insurance | $807 |
| Safeco | $151 |
2016 KIA Soul Insurance Rates
The average annual insurance cost for a 2016 KIA Soul is $505. However, NatGen Value offers the cheapest rates, averaging $242 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $372 |
| AssuranceAmerica Mobile Max | $479 |
| Concord Group | $738 |
| Mercury Insurance | $553 |
| Buckeye Insurance Group | $698 |
| American National P | $767 |
| Kemper Auto Premier | $706 |
| NatGen Value | $242 |
| Safeco | $287 |
| AssuranceAmerica | $711 |
2015 KIA Soul Insurance Rates
The average annual insurance cost for a 2015 KIA Soul is $471. However, Safeco offers the cheapest rates, averaging $90 per year.
| Insurance Provider | Average Annual Cost |
| MMG Insurance Company | $870 |
| Mercury Insurance | $380 |
| NatGen Advantage | $315 |
| Kemper Personal Insurance | $262 |
| Partners Mutual Insurance Co | $897 |
| Dairyland FR Bond | $422 |
| AssuranceAmerica | $167 |
| Dairyland Broadform | $720 |
| Safeco | $90 |
| American National P | $585 |
2014 KIA Soul Insurance Rates
The average annual insurance cost for a 2014 KIA Soul is $438. However, Safeco offers the cheapest rates, averaging $46 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $185 |
| NatGen Value | $463 |
| North Carolina Farm Bureau | $697 |
| NatGen Advantage | $612 |
| American National P&C | $483 |
| Dairyland Broadform | $588 |
| Safeco | $46 |
| Mercury Insurance | $409 |
| Kemper Personal Insurance | $170 |
| Dairyland FR Bond | $730 |
2013 KIA Soul Insurance Rates
The average annual insurance cost for a 2013 KIA Soul is $438. However, Safeco offers the cheapest rates, averaging $190 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $125 |
| Dairyland Auto 1 Month | $328 |
| AssuranceAmerica Mobile Max | $269 |
| Dairyland FR Bond | $630 |
| Kemper Premium | $487 |
| Safeco | $190 |
| Mercury Insurance | $528 |
| Union Mutual Fire Group | $517 |
| NatGen Value | $539 |
| NatGen PPA | $369 |
2012 KIA Soul Insurance Rates
The average annual insurance cost for a 2012 KIA Soul is $329. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $91 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $242 |
| American National P&C | $363 |
| Safeco | $163 |
| Dairyland Broadform | $156 |
| NatGen PPA | $524 |
| AssuranceAmerica Mobile Max | $91 |
| Kemper Auto Premier | $299 |
| Concord Group | $632 |
| American National P | $486 |
| Mercury Insurance | $336 |
2011 KIA Soul Insurance Rates
The average annual insurance cost for a 2011 KIA Soul is $329. However, Kemper Personal Insurance offers the cheapest rates, averaging $31 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $558 |
| AssuranceAmerica Mobile Max | $204 |
| Dairyland FR Bond | $259 |
| Dairyland Broadform | $200 |
| Safeco | $156 |
| Kemper Auto | $557 |
| NatGen PPA | $607 |
| Kemper Auto Premier | $461 |
| Kemper Personal Insurance | $31 |
| NatGen Advantage | $256 |
2010 KIA Soul Insurance Rates
The average annual insurance cost for a 2010 KIA Soul is $471. However, NatGen Custom 360 offers the cheapest rates, averaging $117 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $122 |
| AssuranceAmerica Mobile Max | $648 |
| Kemper Personal Insurance | $232 |
| Kemper Auto | Infinity | $561 |
| MMG Insurance Company | $625 |
| Patriot Group | $641 |
| Infinity Special | $416 |
| Safety Group | $697 |
| Commerce Group Inc | $649 |
| NatGen Custom 360 | $117 |
Find Affordable KIA Soul Insurance Rates
Is A KIA Soul Expensive To Insure?
The cost of insuring a KIA Soul is generally lower than the overall average for all cars. However, your specific insurance rate will depend on several factors, including your age, driving history, location, the model year of your vehicle, and the type of coverage you choose. Comparing quotes from multiple providers can help you find the most affordable policy for your needs.
Cost of KIA Soul Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers typically face the highest premiums due to their higher accident risk. As you age and gain more driving experience, insurance rates tend to decrease, reflecting a lower risk profile. However, rates may start to rise again for senior drivers due to potential declines in reaction time and vision.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,927 | $11,669 | $13,693 |
| 18 | $7,429 | $10,928 | $12,733 |
| 19 | $6,569 | $9,632 | $11,202 |
| 20 | $5,717 | $8,417 | $9,825 |
| 21 | $4,780 | $6,997 | $8,262 |
| 22 | $4,657 | $6,816 | $8,024 |
| 23 | $4,126 | $5,948 | $6,976 |
| 24 | $3,919 | $5,686 | $6,680 |
| 25 | $3,328 | $4,896 | $5,738 |
| 30 | $2,594 | $3,820 | $4,518 |
| 35 | $2,419 | $3,584 | $4,231 |
| 40 | $2,338 | $3,461 | $4,004 |
| 45 | $2,316 | $3,363 | $3,885 |
| 55 | $2,058 | $3,051 | $3,628 |
| 65 | $2,209 | $3,205 | $3,744 |
| 75 | $2,787 | $4,022 | $4,762 |
KIA Soul Car Insurance Rates By State
Your location significantly influences car insurance rates, as each state has its own regulations and coverage requirements. For instance, Michigan drivers often face higher premiums due to mandatory high coverage levels. Additionally, local factors such as climate, crime rates, and accident statistics play a role. Areas prone to extreme weather, like hurricanes or floods, may see increased rates, while regions with high theft or accident rates can also lead to higher insurance costs. Insurance companies assess these risks to determine the exact cost of insuring your KIA Soul.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,496 | $3,660 | $4,636 |
| Alaska | $2,082 | $2,888 | $2,794 |
| Arizona | $2,306 | $3,409 | $4,967 |
| Arkansas | $2,556 | $4,002 | $4,434 |
| California | $2,836 | $5,038 | $2,809 |
| Colorado | $2,612 | $3,741 | $4,698 |
| Connecticut | $3,389 | $5,209 | $6,650 |
| Delaware | $2,829 | $3,712 | $4,843 |
| Florida | $3,363 | $4,600 | $6,064 |
| Georgia | $2,694 | $4,033 | $4,059 |
| Hawaii | $1,107 | $1,490 | $1,125 |
| Idaho | $1,847 | $2,496 | $3,005 |
| Illinois | $1,988 | $3,034 | $3,412 |
| Indiana | $2,014 | $3,086 | $3,495 |
| Iowa | $1,640 | $2,190 | $2,574 |
| Kansas | $2,092 | $3,088 | $3,619 |
| Kentucky | $3,093 | $4,557 | $5,332 |
| Louisiana | $3,947 | $5,997 | $6,522 |
| Maine | $1,487 | $2,123 | $3,082 |
| Maryland | $2,420 | $3,543 | $3,978 |
| Massachusetts | $1,986 | $3,358 | $1,996 |
| Michigan | $4,682 | $7,214 | $11,273 |
| Minnesota | $1,931 | $2,546 | $3,650 |
| Mississippi | $2,378 | $3,339 | $3,323 |
| Missouri | $2,239 | $3,196 | $4,154 |
| Montana | $2,280 | $3,116 | $3,607 |
| Nebraska | $1,862 | $2,788 | $3,076 |
| Nevada | $3,083 | $4,605 | $4,912 |
| New Hampshire | $2,161 | $3,420 | $4,330 |
| New Jersey | $2,412 | $3,768 | $4,905 |
| New Mexico | $2,397 | $3,609 | $3,772 |
| New York | $2,219 | $2,853 | $4,762 |
| North Carolina | $1,451 | $2,438 | $1,685 |
| North Dakota | $1,883 | $2,938 | $3,477 |
| Ohio | $1,752 | $2,617 | $2,699 |
| Oklahoma | $2,694 | $3,868 | $4,372 |
| Oregon | $2,461 | $3,386 | $3,992 |
| Pennsylvania | $2,074 | $3,116 | $3,603 |
| Rhode Island | $3,459 | $5,136 | $5,824 |
| South Carolina | $2,403 | $3,277 | $4,565 |
| South Dakota | $2,152 | $3,110 | $3,531 |
| Tennessee | $2,476 | $3,666 | $4,957 |
| Texas | $2,507 | $3,597 | $4,521 |
| Utah | $2,104 | $2,964 | $4,152 |
| Vermont | $1,658 | $2,555 | $2,647 |
| Virginia | $1,578 | $2,378 | $2,314 |
| Washington | $2,068 | $2,837 | $3,389 |
| West Virginia | $2,114 | $2,957 | $3,756 |
| Wisconsin | $2,104 | $3,182 | $3,712 |
| Wyoming | $1,903 | $2,721 | $2,855 |
Find Affordable KIA Soul Insurance Rates
Cheapest Car Insurance Companies For A KIA Soul
If you’re looking for the most affordable car insurance for your KIA Soul, Ohio Mutual offers a budget-friendly option at $20 per month, making them the cheapest provider on average. However, insurance rates vary based on factors like driving history, location, and coverage options. To secure the best deal tailored to your profile, it’s essential to compare quotes from multiple providers and explore available discounts. Shopping around ensures you find the most cost-effective coverage that meets your needs.
| Company | Average Monthly Rate |
| NationalGeneral | $35 |
| Ohio Mutual | $20 |
| American Family | $31 |
| ACG | $30 |
| Shelter Mutual | $35 |
Common KIA Soul Insurance Discounts
Car insurance discounts can be a great way to lower your premium. Most providers offer various discounts, and some of the most common ones include:
- Multi-policy discount: Bundling your home and auto insurance with the same provider can lead to significant savings.
- Annual payment discount: Paying your premium in full upfront instead of in monthly installments often results in a lower overall cost.
- Defensive driving discount: Completing a certified defensive driving course can make you eligible for reduced rates.
There are many other discounts available, such as good driver, low mileage, and vehicle safety discounts. To ensure you’re getting the best deal, speak with your insurance agent to explore all the options available to you.
Ways To Save On KIA Soul Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your KIA Soul insurance costs down. Drivers with a speeding ticket on their record can expect to pay around $96 per month, while those with multiple accidents may see their premiums rise to an average of $128 per month. Additionally, the amount of miles driven annually plays a role in your insurance rate. Drivers who cover between 5,001-7,500 miles per year typically pay around $69 per month, while those who drive over 10,000 miles annually may pay $76 per month. Keeping a clean record and limiting your mileage are effective ways to lower your insurance costs.
Compare KIA Soul To Other KIA Models
Looking for other Kia model insurance costs?
- KIA Cadenza Car Insurance
- KIA Forte Car Insurance
- KIA Niro Car Insurance
- KIA Optima Car Insurance
- KIA Rio Car Insurance
- KIA Sedona Car Insurance
- KIA Sorento Car Insurance
- KIA Sportage Car Insurance
- KIA Stinger Car Insurance
- KIA Telluride Car Insurance
- KIA K900 Car Insurance
- KIA Soul EV Car Insurance
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used for these calculations was a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that the figures in this guide may vary based on your personal information and the specific details of your insurance policy.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A KIA Soul?
Yes, you will need to provide proof of insurance before you can drive your KIA Soul off the dealership lot. It’s recommended to purchase a policy beforehand and inform your insurance company about your car purchase. This way, you avoid relying on dealership insurance, which can often be more expensive and less tailored to your needs.
How Can You Get The Cheapest Insurance For Your KIA Soul?
The best way to find the cheapest rates for your KIA Soul is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia makes this process easier by allowing you to compare quotes from multiple providers directly on their website.
