Kia Soul Insurance Cost: Average Rates & What Drives Them

The Soul is a small boxy hatchback built for city driving and low running costs, and it appeals to first-time buyers and commuters. Its low price helps keep the cost of a total loss down, which is one reason it tends to be an inexpensive car to insure. Other factors pull in the opposite direction, including the profile of younger drivers who buy small cars and the theft history of some older Kia models.

This page covers a monthly premium rather than an annual one, because both sources on file for the Soul report monthly figures. Full coverage includes collision and comprehensive. Minimum coverage is liability alone.

The comparison below uses monthly figures throughout. The Soul's full coverage average sits below the national figure, and its minimum coverage sits above the national minimum.

The car itself is only part of the quote. Insurers also look at your age, your ZIP code, your driving record, how far you drive, and in most states your credit history. Because a Soul is cheap to buy, a small number of drivers in the highest-risk groups can still pay more for it than an older driver pays for a pricier car. Repairs are another input: bumpers, headlights, and sensors on a newer hatchback can cost more than shoppers expect, and that feeds back into collision rates.

Premiums on the Soul rise with model year, but not in a smooth line. A 2025 car averages $191/mo, a 2020 averages $173/mo, and a 2010 averages $139/mo.

Older Souls tend to cost less because they are worth less, though age is not the only factor. Some older Kia and Hyundai models without a standard engine immobilizer became popular theft targets in recent years, and that has pushed up rates or limited coverage for those cars in certain areas. If you are insuring an older Soul, ask the insurer whether your specific year raises the price.

The gap between insurers is large on a car this cheap. GEICO averages $127/mo here, State Farm $166/mo, and Progressive $163/mo. A few dollars a month adds up over a year, so quotes are worth the time.

The state you live in can matter more than the car. Louisiana averages $363/mo for a Soul, California $162/mo, and Maine $90/mo.

MoneyGeek puts the Soul's monthly full coverage figure at $166/mo. AutoInsurance.com lists $220/mo. Gaps like this usually come from a different driver profile, different model years, or a different insurer mix. Both are averages for a hypothetical driver.

A low premium is attractive on an inexpensive car, but the right level of coverage depends on your finances. If the Soul is paid off and worth little, you may think about dropping collision, and a licensed insurance agent can help you weigh that. If you finance or lease, the lender will require full coverage.

Small-car owners can also check:

• Whether a good-student or low-mileage discount applies.
• Whether pay-per-mile programs suit a city driver.
• Whether a telematics program could lower the rate for a safe driver.