The annual full coverage insurance for a Kia Soul ranges from $986 to $5,664. Rates vary widely based on factors like the car's model year, your age, address, driving history, coverage level and insurer. This article breaks down Kia Soul insurance costs, highlighting the best companies and most affordable insurers.
Kia Soul Insurance Cost
Updated: March 18, 2025
Key Takeaways
GEICO offers the most affordable minimum coverage for all Kia Soul model years, with an annual rate of $488.
If you insure a Kia Soul, you'll pay about $601 annually for minimum coverage or $1,302 for full coverage.
MoneyGeek's analysis is based on 3,884 quotes from Quadrant Information Services to provide a comprehensive view of Kia Soul insurance costs.
Kia Soul Insurance Rates
What Is the Average Kia Soul Car Insurance Cost?
For Kia Soul owners, full coverage insurance costs about $108 monthly or $1,302 annually, based on a 40-year-old male driver with a clean record. Minimum coverage averages $50 per month or $601 per year.
| Minimum Coverage | $601 |
| Full Coverage | $1,302 |
Read more: Average Cost of Car Insurance
Kia Soul Insurance Costs by Company
Kia Soul insurance costs range from $1,013 to $1,858 annually, depending on age, model year and coverage level. The table below compares average Kia Soul insurance rates with the averages for all vehicles from several national and mid-size providers.
| Allstate | $1,500 | $1,813 | -17% |
| Auto-Owners | $1,113 | $1,227 | -9% |
| Farmers | $1,558 | $1,958 | -20% |
| GEICO | $1,057 | $1,334 | -21% |
| Kemper | $1,858 | $2,214 | -16% |
| Nationwide | $1,441 | $1,589 | -9% |
| Progressive | $1,553 | $1,744 | -11% |
| State Farm | $1,064 | $1,270 | -16% |
| Travelers | $1,351 | $1,522 | -11% |
| USAA | $1,013 | $1,201 | -16% |
Read more: Best Car Insurance Companies
Cost of Insuring a Kia Soul by Model Year
The year your Kia Soul was produced can impact your insurance rates, with older models generally costing less. For instance, full coverage for a 2022 model costs $1,459 annually, while it's $1,158 for a 2010 model. Below are the average full and minimum coverage rates for every production year.
| 2022 | $608 | $1,459 |
| 2021 | $607 | $1,493 |
| 2020 | $592 | $1,448 |
| 2019 | $626 | $1,410 |
| 2018 | $634 | $1,365 |
| 2017 | $607 | $1,334 |
| 2016 | $630 | $1,302 |
| 2015 | $626 | $1,270 |
| 2014 | $597 | $1,243 |
| 2013 | $617 | $1,215 |
| 2012 | $611 | $1,188 |
| 2011 | $610 | $1,173 |
| 2010 | $607 | $1,158 |
Kia Soul Insurance Costs by Driver Age
Kia Soul insurance rates vary widely based on driver age. A 40-year-old pays around $1,312 annually for full coverage, while a 16-year-old pays $5,664. Below are the average minimum and full coverage rates for drivers of different ages.
| 16 | $2,789 | $5,664 |
| 17 | $2,269 | $4,625 |
| 18 | $1,979 | $4,067 |
| 19 | $1,405 | $2,900 |
| 20 | $1,261 | $2,635 |
| 21 | $1,001 | $2,128 |
| 22 | $913 | $1,956 |
| 23 | $847 | $1,825 |
| 24 | $803 | $1,736 |
| 25 | $715 | $1,553 |
| 26 | $696 | $1,507 |
| 27 | $680 | $1,473 |
| 28 | $669 | $1,450 |
| 29 | $659 | $1,430 |
| 30 | $636 | $1,379 |
| 35 | $620 | $1,337 |
| 40 | $613 | $1,312 |
| 45 | $608 | $1,295 |
| 50 | $594 | $1,256 |
| 55 | $578 | $1,222 |
| 60 | $578 | $1,218 |
| 65 | $616 | $1,273 |
| 70 | $668 | $1,362 |
| 75 | $741 | $1,493 |
| 80 | $840 | $1,663 |
| 85 | $909 | $1,786 |
| 90 | $959 | $1,871 |
Kia Soul Insurance Rates Explained
Several factors affect a driver’s car insurance rates based on their profile. However, insurers also consider vehicle-specific factors. Below are cost factors tied to your car, such as its make, model, age, safety features and repair costs.
Kia Soul Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Kia Soul
Average Full Coverage Rate
$1,302Premiums for Kia Soul are:$6 more
This is 0% more expensive.
Value
The Kia Soul's MSRP is $25,865. This affects insurance costs, as lower-priced vehicles generally have lower premiums.
Repair costs
The Kia Soul's annual repair cost is $437, below the national average. Lower repair expenses may result in reduced insurance premiums.
Performance
The Kia Soul delivers 147 horsepower and accelerates from 0 to 60 mph in 8 seconds. Its moderate performance metrics may contribute to average insurance costs.
Vehicle age
Newer Kia Souls are typically more expensive to insure. However, classic models can be exceptions.
Safety features
The Kia Soul includes safety features like stability control, airbags and antilock brakes, which can qualify for insurance discounts.
Vehicle size
With a curb weight of 2,988 lbs, the Kia Soul's size may lead to moderate insurance costs.
Trim level
Higher trims like the Kia Soul GT LINE cost more to insure due to added premium features and value.
Theft rates
The Kia Soul has a theft claim frequency of 182, which can increase insurance premiums.
Cheapest Kia Soul Insurance
GEICO offers the most affordable minimum coverage for a Kia Soul at $488 annually, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest auto insurance options for various coverage levels, age groups, driving records, model years and more.
Cheapest Kia Soul Insurance by Coverage Level
The coverage level you choose greatly impacts your Kia Soul insurance rate. GEICO offers the most affordable minimum coverage, while State Farm has the lowest full coverage rate. Below is a breakdown of the cheapest providers for both types.
Cheapest Kia Soul Minimum Coverage
GEICO offers the cheapest minimum coverage for Kia Soul at $41 per month, followed by State Farm ($42), Travelers ($53) and Progressive ($56).
| USAA | $35 | $423 |
| GEICO | $41 | $488 |
| State Farm | $42 | $499 |
| Travelers | $53 | $633 |
| Progressive | $56 | $669 |
| Farmers | $57 | $685 |
| Allstate | $57 | $685 |
| Nationwide | $58 | $692 |
*GEICO offers non-military-affiliated Kia Soul owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Kia Soul Insurance Rates by Model Year
The above list doesn't factor in your Kia Soul's production year. Depending on your vehicle's age, you might find more affordable options. To find the cheapest minimum coverage rates, filter the table below by model year.
Data filtered by:Results filtered by:
Select
Model Year:2010
| Allstate | $700 | $58 |
| Farmers | $690 | $57 |
| GEICO | $494 | $41 |
| Nationwide | $683 | $57 |
| Progressive | $664 | $55 |
| State Farm | $473 | $39 |
| Travelers | $645 | $54 |
| USAA | $394 | $33 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Kia Soul Insurance
State Farm offers the cheapest full coverage for a Kia Soul at $86 monthly or $1,038 annually. Explore the complete list of full coverage car insurance providers and rates below.
| USAA | $82 | $986 |
| State Farm | $86 | $1,038 |
| GEICO | $87 | $1,038 |
| Travelers | $112 | $1,340 |
| Nationwide | $114 | $1,363 |
| Allstate | $119 | $1,433 |
| Farmers | $122 | $1,469 |
| Progressive | $124 | $1,483 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Kia Soul owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Kia Soul Insurance by Age
Young drivers aged 16 to 25 and seniors 55 and older often face higher Kia Soul insurance costs. Below is a breakdown of the cheapest options by age.
Cheapest Kia Soul Insurance for Young Drivers
State Farm offers the cheapest Kia Soul insurance for drivers aged 16 to 25 at $91 monthly or $1,087 annually for minimum coverage. Below is the complete list of affordable auto insurance rates for young drivers.
| USAA | $73 | $875 |
| State Farm | $91 | $1,087 |
| GEICO | $97 | $1,163 |
| Travelers | $109 | $1,308 |
| Allstate | $133 | $1,595 |
| Nationwide | $152 | $1,826 |
| Farmers | $154 | $1,842 |
| Progressive | $155 | $1,859 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Kia Soul Insurance for Seniors
State Farm offers the most affordable car insurance for seniors aged 55 and up at $46 monthly or $548 annually. See the full list of cheap Kia Soul insurers below:
| State Farm | $46 | $548 |
| USAA | $47 | $561 |
| GEICO | $49 | $584 |
| Travelers | $63 | $754 |
| Nationwide | $68 | $811 |
| Allstate | $70 | $840 |
| Progressive | $71 | $855 |
| Farmers | $77 | $919 |
Cheapest Kia Soul Insurance After an Accident
State Farm, GEICO and Travelers offer Kia Soul drivers the cheapest car insurance after an accident. Check out the complete list of providers below.
| State Farm | $52 | $624 |
| USAA | $54 | $644 |
| GEICO | $64 | $766 |
| Travelers | $76 | $910 |
| Allstate | $78 | $938 |
| Nationwide | $89 | $1,070 |
| Progressive | $91 | $1,090 |
| Farmers | $113 | $1,359 |
Kia Soul Insurance Cost: Bottom Line
Regularly compare car insurance rates to find the cheapest option. This article details Kia Soul insurance costs across demographics and highlights the most affordable providers.
Kia Soul Insurance Rates: FAQ
Below are common questions about Kia Soul insurance costs, offering insights into what you might expect to pay.
What company has the cheapest car insurance for a Kia Soul?
GEICO offers the cheapest insurance for a Kia Soul, with an annual minimum coverage rate of $488.
What is the average cost of car insurance for a Kia Soul?
The average annual cost of minimum coverage insurance for a Kia Soul is $601, while full coverage averages $1,302.
Kia Soul Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 3,884 Kia Soul insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Kia Soul:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Kia Soul insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Kia Soul.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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.