The Kia Soul is a subcompact crossover SUV that first debuted in the U.S. in 2006. Though Kia is officially discontinuing the Soul after the 2026 model, the vehicle remains a popular choice among consumers. No matter which type of Soul you drive, it needs to be protected with the right car insurance.
When it's time to find the best Kia Soul insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Kia Soul at a great rate. But first, here's a deep dive into how much it costs to insure a Kia Soul by model year and top-rated insurance company in 2026.
Key Takeaways - Kia Soul Car Insurance
Kia Soul insurance costs an average of $1,780 per year, or approximately $148 per month, for full coverage in 2026.
Kia Soul insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $30 monthly for minimum coverage, while those in Louisiana pay $363.
Progressive, USAA, and Nationwide are the cheapest carriers for model-year 2025 Kia Soul insurance this year.
Your age, location, credit, and driving history are all major factors that can influence the cost of Kia Soul insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Kia Soul model.
What Is Kia Soul Insurance?
Kia Soul insurance is just a car insurance policy that includes customized coverage options for your specific vehicle. As a subcompact crossover SUV, the Soul may require additional coverage beyond that of standard sedans. However, the Soul's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Kia Soul drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Add-on coverage options worth considering for a Kia Soul:
- Kia warranty insurance: This can extend Kia's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Kia vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Kia parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
Most states require certain types of car insurance by law. A local independent insurance agent can help you satisfy your state's minimum car insurance requirements for your Soul so you can avoid noncompliance fines and other penalties.
How Much Does Kia Soul Insurance Cost?
The average cost of car insurance for a Kia Soul is $1,780 per year, or approximately $148 per month, for full coverage. However, several factors can influence the cost of Kia insurance, including:
- The specific type of Soul you drive
- Annual mileage
- The types and amount of coverage you need
- Your claims history
- Vehicle safety features
- Your credit score (where allowed)
- Your driving history
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Kia Soul full coverage insurance or a basic Kia Soul liability insurance policy.
Is the Kia Soul Expensive to Insure?
No, the Kia Soul isn't expensive to insure on average. The average monthly cost of Kia Soul insurance is cheaper than that for other Kia vehicles and other cars in general.
| Vehicle | Average Monthly Cost of Full Coverage |
| Kia Soul | $148 |
| All Kias | $171 |
| All Cars | $175 |
Kia Soul Insurance Costs by Model Year
Next, we'll break down several model years of the Kia Soul and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Kia Soul* | $1,468 |
| 2025 Kia Soul | $1,232 |
| 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 |
*Note: The 2026 Soul's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Kia Soul Car Insurance Companies for 2026
Affordable Kia Soul insurance is available from many different insurers across the country. These top-rated car insurance companies provide the cheapest model-year 2025 Kia Soul insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,520 |
| USAA | $1,671 |
| Nationwide | $1,742 |
| American Family | $1,818 |
| Erie | $1,825 |
| Allstate | $3,765 |
Kia Soul Car Insurance Rates by State
Location plays a major role in car insurance premium calculations. Here are some average auto insurance rates for the Kia Soul by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Kia Soul Insurance Rates by Driver Age and Profile
Additional major factors that can influence car insurance costs are your age, driving history, and credit. Teens and young drivers usually pay the most, by far, for Kia Soul insurance. Car insurance rates often begin to drop dramatically around age 25.
However, once a driver reaches about age 65, car insurance costs begin to climb through their senior years. Here are some average insurance rates for the Kia Soul by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,429 | $10,928 | $12,733 |
| 20 | $5,717 | $8,417 | $9,825 |
| 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 |
Average Kia Soul Insurance Rates by Trim Level
Your Kia Soul's specific trim can also impact its auto insurance costs. Here are some average Kia Soul insurance rates by trim level for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
| ED 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 |
Best Kia Soul Insurance Discounts: How to Lower Your Kia Soul Insurance Premiums
Want to save even more money on Kia Soul insurance? Just follow any of the easy steps below to start increasing your savings today:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Kia Soul insurance from a trusted carrier near you.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Kia Soul insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Ask about telematics programs: Your insurance company or Kia may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Kia Soul insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
Your independent insurance agent knows which carriers offer the most affordable Kia Soul insurance. They can help you find discounts and recommend other ways to reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Kia Soul Insurance Quotes
When it's time to find the most affordable Kia Soul insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Kia Soul insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Kia Soul Insurance
How much does Kia Soul insurance cost per year?
The average annual cost of full coverage for a Kia Soul is $1,780 per year, or approximately $148 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Kia Soul insurance premiums?
If you've filed claims in the past, have any accidents or traffic violations on your record, drive an expensive trim level, or have poor credit, you're likely to be quoted higher Kia Soul insurance premiums.
Is the Kia Soul expensive to insure?
No, the Kia Soul isn't expensive to insure on average. The cost of a six-month full coverage policy is only $890.
What are the best and cheapest carriers for Kia Soul insurance in 2026?
We found that Progressive, USAA, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Kia Soul insurance this year.
Is insurance cheaper for the Soul than for other Kia vehicles?
Yes, the Kia Soul's average insurance rates are cheaper than those for other Kias. While the Soul's average full coverage rates are just $148 per month, other Kia vehicles average $171 per month.
How can I get cheaper Kia Soul insurance?
Finding cheaper Kia Soul insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/kia-soul-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/kia/soul/
https://www.moneygeek.com/insurance/auto/kia-soul-insurance/