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
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
Kia Soul premiums range from $62 a month for minimum coverage on older models to $197 a month for full coverage on newer ones. Newer model years cost more to insure because they cost more to replace.
| 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
Trim level moves Kia Soul premiums from $71 a month on the LX to $200 on the EX. The difference comes down to market value, repair costs and the features each trim carries.
| 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 |
Does Upgrading Your Trim Increase Kia Soul Insurance Costs?
Trim choice barely moves the needle on Kia Soul insurance cost. The entire range — from the base LX to the top EX — spans just $61 a month, or $732 a year. Even stepping into the highest trims adds less than $5 a month over the mid-range Sport and GT-Line Turbo variants.
For budget-conscious buyers, the Soul's trim ladder is one of the least consequential insurance decisions you'll make.
Kia Soul Insurance Cost by Company
Minimum coverage for the Kia Soul costs $58 to $137 a month. Full coverage costs $127 to $316. Each insurer applies its own risk model to the same vehicle, which is why the gap between the cheapest and most expensive quote can exceed $100 a month. Getting at least three quotes is the fastest way to find the lowest rate.
| GEICO | $58 | $127 |
| Travelers | $77 | $140 |
| State Farm | $80 | $166 |
| Progressive | $87 | $163 |
| Kemper | $87 | $176 |
| The Hartford | $91 | $155 |
| AAA | $95 | $196 |
| Nationwide | $99 | $171 |
| Amica | $101 | $206 |
| Allstate | $108 | $209 |
| Chubb | $120 | $238 |
| Farmers | $125 | $220 |
| AIG | $125 | $316 |
| 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:
Average Repair or Replacement CostsKia 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 AccessoriesThe 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 TypeAll 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.
LocationThe 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 ProfileThese driver traits tend to influence insurance rates for the Kia Soul:
- 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.
How to Lower the Cost of Kia Soul Insurance
We outline the top car insurance discounts available for your Kia Soul:
- 1Choose the right coverage
How much coverage you need for your Kia depends on its value, how often you drive and what your budget can handle. Your options run from minimum liability with a $1,000 deductible to a 100/300/100 setup with a $500 deductible, and if you’re financing or leasing, lenders may require gap insurance.
- 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
Kia Soul owners can lower their insurance costs by stacking discounts tied to multiple vehicles, bundled policies, clean driving records, strong safety features and low annual mileage. Since many Soul drivers have practical habits and solid safety equipment, these savings are usually easy to qualify for and can drop rates fast.
- 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?
Start with quotes from at least three insurers because there's $189 full coverage gap between the cheapest and most expensive provider.
Stack every discount you qualify for: good driver, multi-vehicle and bundling home or renters insurance are the highest-value options. Usage-based programs cut costs further for lower-mileage drivers with clean habits.
How We Determined Kia Soul Insurance Costs
Kia Soul cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.