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Compare the Cost of Kia Soul Insurance by Model Year and Company
MoneyGeek’s research reveals that insuring a Kia Soul is inexpensive. With an average cost of $1,270 per year, car insurance for a Kia Soul is cheaper than the average car insurance rate. Keep in mind that your insurance company and your car’s model year can affect your insurance rates.
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Last Updated: 5/18/2022
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Mark Fitzpatrick
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The cost of insuring your Kia Soul may change depending on the insurance provider you choose. It pays to compare offers from different companies to help you find the best rates. Insurance quotes for your Kia Soul are also affected by factors such as your car’s model year, and different insurers have different rates for each model year.
Key Takeaways for Kia Soul Insurance
Insuring a Kia Soul costs $1,270 per year on average, which is $157 cheaper compared to the average car insurance cost.
The average car insurance rate for a Kia Soul can change by up to $546 per year depending on the company.
Kia Soul insurance costs may vary based on the model year of your car. Older models typically have cheaper rates.
How Much It Costs to Insure a Kia Soul and the Cheapest Company
The car insurance company you choose can significantly affect your car insurance rates. On average, it costs $1,270 per year to insure your Kia Soul.
With an average rate of $1,066 per year, USAA has the cheapest car insurance for Kia Soul drivers. It costs $543 less per year on average than the most expensive provider, Allstate. However, only military members and their families are eligible for USAA policies.
GEICO has the most affordable widely available policies for a Kia Soul at $1,069 per year on average.
The Average Annual Cost of Kia Soul Insurance by Company
The car insurance rates gathered by MoneyGeek in this guide are for a 40-year-old driver with a 100/300/100 liability insurance policy with comprehensive and collision coverages.
The Average Cost to Insure a Kia Soul by Company
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- CompanyAverage Annual Rates
- 1.$1,066
- 2.$1,069
- 3.$1,214
- 4.$1,226
- 5.$1,320
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Is a Kia Soul Expensive to Insure?
Insurance companies evaluate a car’s model, value, horsepower and more when determining car insurance rates. They also review factors such as a vehicle’s theft rate and driver profile. The riskier the car, the more expensive its average rates tend to be.
As a low-value vehicle, Kia Soul is inexpensive to insure. Kia Soul’s repair costs are relatively cheap, which brings down its insurance rates.
The Best Car Insurance Company for a Kia Soul
Beyond cost, there are various factors to consider when buying car insurance for your Kia Soul.
MoneyGeek evaluated car insurance offers based on affordability, customer complaints, customer satisfaction and financial stability. We found that:
- USAA is the best car insurance provider for Kia Soul drivers, but only military members and their families are eligible for these policies.
- GEICO is the next-best car insurance provider for a Kia Soul and is available to all drivers.
1
USAA
Score:98.5
2
GEICO
Score:89.4
3
State Farm
Score:85
4
Nationwide
Score:84.5
5
Progressive
Score:79.3
6
Allied
Score:NaN
7
Allstate
Score:69
How Much It Costs to Insure a Kia Soul by Model Year
Insuring older car models tends to be cheaper. As the car’s value depreciates, comprehensive and collision insurance becomes less expensive.
The average car insurance rate for a 2020 Kia Soul is $1,270 per year. USAA has the cheapest offer at an average rate of $1,066 per year, but these policies are only available to military members and their families.
Use your vehicle year to find the cheapest insurers for your car.
The Average Cost to Insure a Kia Soul by Model Year
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- CompanyAverage Annual Rates (2020 model)
- 1.$1,066
- 2.$1,069
- 3.$1,214
- 4.$1,226
- 5.$1,320
How Expensive Is It to Insure a Kia Soul Compared to Other Cars?
The Kia Soul is a low-value vehicle, which makes it inexpensive to insure. Car insurance for a Kia Soul on average costs $1,270 per year. It’s roughly $157 lower than the average car insurance rate for all models in our data.
How Much It Costs to Insure a Kia Soul for 16- to 25-Year-Olds
Car insurance for younger drivers is significantly more expensive regardless of the car they’re driving. This is because insurers find them riskier due to their relative driving inexperience.
On average, an 18-year-old driver with a Kia Soul pays $4,145 per year for car insurance, which is $2,875 more expensive than a 40-year-old could pay.
Car insurance could be very expensive for teenagers buying it on their own. Teenage drivers may bring their insurance rates down by being on the same policy as their parents.
Use the table below to find the average cost of car insurance for drivers ages 16 to 25.
The Average Cost to Insure a Kia Soul by Driver Age
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- AgeAverage Annual Rates
- 16$5,314
- 17$4,707
- 18$4,145
- 19$2,969
- 20$2,650
How Does Location Affect the Cost of Kia Soul Insurance?
MoneyGeek based the car insurance rates in this guide on a national average. A driver’s location can greatly affect their car insurance rates. Use our state page analysis to learn more about the cost of car insurance in individual states.
FAQs About Kia Soul Insurance
The cost of your car insurance is significantly affected by the car you’re driving, but insurers evaluate more factors when determining your average rate. To help you shop around, we answered some frequently asked questions about insuring a Kia Soul.
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Methodology
MoneyGeek gathered thousands of car insurance quotes for a Kia Soul across all available model years. For this guide, our sample driver is a 40-year-old male with a full coverage policy with the following coverages:
- $100,000 in bodily injury liability insurance per person
- $300,000 in bodily injury liability insurance per accident
- $100,000 in property damage liability insurance per accident
- Comprehensive and collision insurance with a $1,000 deductible
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