Kia Soul insurance costs average $86 monthly for minimum coverage and $166 per month for full coverage. But, depending on your particular trim and model year, costs can range from $55 to $204 monthly.
Kia Soul Insurance Cost
Updated: September 26, 2025
Key Takeaways
Kia Soul insurance costs range from $89 to $204 monthly, with variation based on your specific trim level and model year choice.
The Kia Soul ranks 299th out of 827 vehicle models for insurance affordability in the United States vehicle market from 2000 through 2025.
GEICO provides the most affordable Kia Soul coverage with full protection at $127 monthly and minimum coverage at $58 monthly.
How Much Is Kia Soul Insurance?
| Kia Soul | $86 | $166 |
Kia Soul Insurance Cost by Model Year
Your insurance rates change based on your Kia Soul's model year and available trim options, with newer vehicles costing more due to higher fair market value. Monthly premiums range from $62 for the most affordable coverage to $197 for comprehensive protection across different model years.
| 2025 | $99 | $191 |
| 2024 | $94 | $183 |
| 2023 | $79 | $154 |
| 2022 | $72 | $140 |
| 2021 | $62 | $121 |
| 2020 | $89 | $173 |
| 2019 | $89 | $172 |
| 2018 | $97 | $189 |
| 2017 | $86 | $167 |
| 2016 | $102 | $197 |
| 2015 | $97 | $187 |
| 2014 | $95 | $183 |
| 2013 | $81 | $156 |
| 2012 | $78 | $150 |
| 2011 | $78 | $150 |
| 2010 | $72 | $139 |
Kia Soul Insurance Cost by Trim
Your Kia Soul's trim directly impacts insurance costs based on its features, market value and repair expenses. Monthly premiums range from $71 for basic LX models to $200 for premium EX trims, creating cost differences depending on your specific vehicle.
| Lx Wagon 4d | $71 | $139 |
| S Wagon 4d | $74 | $143 |
| Turbo Wagon 4d | $76 | $147 |
| X-Line Wagon 4d | $76 | $147 |
| Gt-Line Wagon 4d | $76 | $148 |
| Ex Wagon 4d | $76 | $148 |
| Sport Wagon 4d | $85 | $164 |
| Lx | $86 | $167 |
| Wagon 4d | $87 | $169 |
| Exclaim Wagon 4d | $88 | $170 |
| E Wagon 4d | $88 | $171 |
| Gt-Line Turbo Wagon 4d | $91 | $178 |
| Plus Wagon 4d | $92 | $177 |
| S | $96 | $186 |
| Gt-Line | $101 | $195 |
| Ex | $103 | $200 |
Compare Personalized Kia Soul Insurance Costs
We've organized Kia Soul insurance costs by model year and trim for accurate estimates.
Data filtered by:
2010
Plus Wagon 4d
| Plus Wagon 4d | $69 | $132 |
Kia Soul Insurance Cost by Company
Kia Soul insurance costs range from $93 to $221 monthly across providers. Minimum coverage spans $58 to $137, while full coverage costs $127 to $316. Rates vary due to different risk assessment models.
| AAA | $95 | $196 |
| AIG | $125 | $316 |
| Allstate | $108 | $209 |
| Amica | $101 | $206 |
| Chubb | $120 | $238 |
| Farmers | $125 | $220 |
| GEICO | $58 | $127 |
| Kemper | $87 | $176 |
| Nationwide | $99 | $171 |
| Progressive | $87 | $163 |
| State Farm | $80 | $166 |
| The Hartford | $91 | $155 |
| Travelers | $77 | $140 |
| UAIC | $137 | $172 |
Kia Soul Insurance Cost by State
Kia Soul insurance costs vary by location, from as low as $30 monthly in Wyoming to $363 in Louisiana.
| Alabama | $72 | $135 |
| Alaska | $59 | $126 |
| Arizona | $101 | $188 |
| Arkansas | $70 | $156 |
| California | $80 | $162 |
| Colorado | $83 | $199 |
| Connecticut | $117 | $200 |
| Delaware | $118 | $198 |
| Florida | $112 | $262 |
| Georgia | $124 | $205 |
| Hawaii | $45 | $100 |
| Idaho | $46 | $93 |
| Illinois | $79 | $147 |
| Indiana | $54 | $106 |
| Iowa | $49 | $118 |
| Kansas | $60 | $141 |
| Kentucky | $106 | $179 |
| Louisiana | $168 | $363 |
| Maine | $44 | $90 |
| Maryland | $131 | $221 |
| Massachusetts | $85 | $179 |
| Michigan | $136 | $259 |
| Minnesota | $70 | $144 |
| Mississippi | $74 | $146 |
| Missouri | $101 | $202 |
| Montana | $62 | $147 |
| Nebraska | $62 | $140 |
| Nevada | $152 | $275 |
| New Hampshire | $59 | $104 |
| New Jersey | $139 | $229 |
| New Mexico | $70 | $155 |
| New York | $105 | $188 |
| North Carolina | $68 | $133 |
| North Dakota | $50 | $110 |
| Ohio | $65 | $125 |
| Oklahoma | $79 | $174 |
| Oregon | $104 | $181 |
| Pennsylvania | $73 | $172 |
| Rhode Island | $102 | $182 |
| South Carolina | $86 | $160 |
| South Dakota | $46 | $139 |
| Tennessee | $66 | $134 |
| Texas | $107 | $217 |
| Utah | $90 | $152 |
| Vermont | $38 | $91 |
| Virginia | $80 | $129 |
| Washington | $78 | $146 |
| West Virginia | $73 | $149 |
| Wisconsin | $56 | $124 |
| Wyoming | $30 | $93 |
Kia Soul Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, affects Kia Soul insurance costs. Monthly rates can reach $319 if you're a young driver under 25, even without violations. But, adult drivers between 26-64 with clean records pay as little as $126 monthly for the same vehicle.
| Adult Drivers | $86 | $166 |
| Young Drivers | $219 | $420 |
| Senior Drivers | $114 | $210 |
| Drivers With a Speeding Ticket | $107 | $209 |
| Drivers With an Accident | $126 | $243 |
| Drivers With a DUI | $158 | $301 |
| Drivers With Bad Credit | $204 | $409 |
Is a Kia Soul Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Kia Soul ranks 299th out of 827, placing it around average for car insurance costs. Among subcompact crossover SUVs, the model ranks 4th out of 15.
| Vinfast VF-6 | $60 | $117 |
| Suzuki Grand Vitara | $73 | $140 |
| Chevrolet Tracker | $74 | $142 |
| Kia Soul | $86 | $166 |
| Mazda MX-30 | $87 | $168 |
| Toyota C-HR | $88 | $170 |
| Mazda CX-3 | $88 | $171 |
| Ford EcoSport | $89 | $173 |
| Kia Seltos | $96 | $186 |
| Nissan Juke | $100 | $192 |
| Mazda CX-30 | $100 | $194 |
| Hyundai Kona | $101 | $195 |
| Fiat 500X | $102 | $198 |
| Nissan Kicks | $103 | $198 |
| Kia Niro | $115 | $222 |
Factors That Affect Kia Car Insurance Costs
Several factors affect your Kia Soul insurance costs:
- Age (under 25): Younger drivers generally pay more due to inexperience and higher risk.
- Driving record: Clean records help reduce premiums; accidents, tickets, or traffic violations increase them.
- Gender / risk behavior: Male drivers often pay higher rates, especially for higher trims with more features or sporty styling.
- Vehicle usage & annual mileage: More daily commuting, higher miles, use of advanced features (sunroof, tech packages) or driving in higher-risk areas tends to raise insurance.
Average Repair or Replacement Costs
Kia ranks fifth in repair affordability among 59 U.S. automakers with median annual costs of $612, this helps keep insurance costs down.
Vehicle Trim, Features and Accessories
The Kia Soul is available in trims like LX, S, GT-Line, and EX (and a “Soulmate” special edition). Lower trims include features such as an 8-inch touchscreen, Apple CarPlay/Android Auto, cloth seats, steel wheels and basic safety assists.
Higher trims add alloy wheels, larger infotainment screens (10.25-inch), navigation, wireless charging, sunroof or power sunshade, heated front seats, upgraded interior materials, and more advanced driver assistance features.
Fuel Type
All current U.S. Kia Soul trims use gasoline (a 2.0-L four-cylinder in most recent models). There are no AWD options. The fuel economy is solid for its class, with reasonable highway and city mpg, though higher-feature or engine load (accessories, etc.) can reduce real-world efficiency.
Location
The cost of owning and insuring a Kia Soul varies by ZIP code. Urban areas with more risk of theft or accidents tend to have higher insurance. Repair shops' labor rates, parts availability, and dealer density also vary by region, which can affect how much you’ll pay for maintenance or replacement parts.
Driver Profile
These driver traits tend to influence insurance rates for the Kia Soul:
Cheapest Kia Soul Insurance Companies
GEICO offers the most affordable Soul insurance coverage across both policy types. For comprehensive full coverage protection, Soul owners can expect monthly premiums of $127 from GEICO. Drivers seeking basic minimum coverage will find GEICO's rates equally competitive at $58 monthly. These rates make GEICO the clear winner for budget-conscious Soul drivers who want reliable coverage without overpaying.
| GEICO | $58 | $127 |
| Travelers | $77 | $140 |
| The Hartford | $91 | $155 |
| State Farm | $80 | $166 |
| Progressive | $87 | $163 |
Cheapest Kia Soul Insurance by State
Our research found that these are the top three most affordable car insurance providers for a Kia Soul:
- GEICO: Offers the cheapest rates in 19 states
- Travelers: Provides the most affordable coverage in eight states
- State Farm: Wins for affordability in four states
Use the filter below to find the company offering the best auto insurance rates for your Kia Soul in your area.
Data filtered by:
Alabama
| Alabama | Cincinnati Insurance | $39 |
How to Get the Best Cheap Kia Soul Insurance
We outline the top car insurance discounts available for your Kia Soul:
- 1Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Kia's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then you can look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Kia Soul, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Finding car insurance discounts you’ll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Kia Soul owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (10% to 25% savings): Soul owners often share households with multiple vehicles, and insurers reward combining them on the same policy with meaningful discounts.
- Bundling/Multi-Policy Discount (5% to 25% savings): Many Soul drivers carry renters or homeowners insurance, allowing them to bundle coverage with auto insurance for lower overall premiums.
- Good Driver/Safe Driver Discount (10% to 30% savings): The Soul appeals to practical drivers, many of whom maintain clean records, making them strong candidates for safe-driver discounts.
- Safety Features/Advanced Safety Discount (5% to 20% savings): With standard safety equipment like airbags, anti-lock brakes, and stability control, newer Souls also include advanced tech that insurers may reward with discounts.
- Low Mileage/Usage-Based Discount (5% to 30% savings): Many Soul owners use their car primarily for commuting or city driving, but lower mileage or participation in telematics programs can unlock savings.
- 5Consider alternative car insurance types
Kia Soul owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Kia Soul insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Kia Soul Insurance Cost: Bottom Line
Insuring a Kia Soul costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Kia Soul Insurance Rates: FAQ
Here are answers to common questions about insuring a Kia Soul.
What is the average cost of car insurance for a Kia Soul?
The Kia Soul's average annual insurance cost is $1,029 for minimum and $1,992 for full coverage.
What company has the cheapest car insurance for a Kia Soul?
GEICO offers the most affordable Soul insurance coverage across both policy types. For comprehensive full coverage protection, Soul owners can expect monthly premiums of $127 from GEICO. Drivers seeking basic minimum coverage will find GEICO's rates equally competitive at $58 monthly.
Are Kia Souls expensive to insure?
Compared to the rest of the models on the U.S. market, a Kia Soul ranks 299th out of 827, placing it around average for car insurance costs. Among subcompact crossover SUVs, the model ranks 4th out of 15.
What factors affect insurance costs for Kia Souls?
Several things drive up your Kia Soul rates. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too.
How can I lower Kia Soul insurance costs?
Shop around with multiple insurers as rates vary for Kias, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Kia Soul Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Kia Soul insurance costs.
Who We Based These Rates On
These Kia Soul prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.