+120 more*These quotes are from Compare.com users within the last 10 days. Updated on August 1, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on August 1, 2026
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Licensed property and casualty insurance agent
NPN: 21630969
Updated
Kia Soul car insurance costs an average of $131 per month, just below the national average of $162 per month.
USAA offers the lowest Kia Soul insurance rates, with an average premium of $65 per month, but availability is limited to military members and their families.
Early-model Kia Souls had high theft rates that may make them more expensive to insure than newer models.
The average cost of car insurance for a Kia Soul depends on the type of coverage you choose. For example, a basic liability policy costs less per month than full coverage, but it only covers bodily injuries and property damage you cause to others in an accident.
Full-coverage insurance is more expensive. It includes liability coverage, plus collision and comprehensive coverage to protect your Kia Soul.
The table below shows the average monthly premiums for both options and how they compare to the average cost of car insurance, according to our data.
Vehicle | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Kia Soul | $91 | $171 | $131 |
| All vehicles | $114 | $210 | $162 |
Kia Soul drivers pay an average of $91 per month for liability coverage and $171 for full coverage, about $30 less than the national average for all other vehicles. But many factors affect what you pay for Kia Soul car insurance, like where you live and your age.
Check rates from multiple companies and save in seconds.
Insurance companies each set their own rates for Kia Soul insurance. Insurers base rates on the type of coverage you choose, but they also consider other factors like where you live, your driving history, age, and Kia Soul model year.
Here’s a look at the cheapest car insurance companies for the Kia Soul, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $65 |
| State Farm | $78 |
| Allstate | $86 |
| GEICO | $96 |
| American Family | $100 |
| Progressive | $116 |
| Nationwide | $120 |
| Travelers | $127 |
| Farmers | $152 |
| Liberty Mutual | $191 |
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers the cheapest car insurance rates for Kia Soul drivers and has a strong reputation for its customer service. You can save even more if you qualify for USAA’s many discount options or choose to bundle your home and auto insurance. But only active members of the military, veterans, and eligible family members are eligible for USAA coverage.
Superior AM Best financial strength rating
Top-rated customer service
Availability limited to military members and eligible family
Negative online reviews
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is widely available and offers Kia Soul drivers some of the cheapest rates. It also offers multiple discounts and a telematics program that can help you save even more on your premium. But coverage options are more limited than those of other insurance companies.
High customer satisfaction ratings
Strong financial strength rating
Fewer optional coverages
Must work with an insurance agent
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Kia Soul owners may save on Allstate’s already low rates with Allstate Drivewise, a telematics program that sets rates based on your driving habits. Safety features on your Kia Soul could also help you qualify for Allstate discounts.
Rewards safe driving
Superior AM Best financial strength rating
Consistent customer service complaints
Poor telematics app reviews
The model year of your Kia Soul can affect your insurance premiums. Like most vehicles, newer Kia Souls are typically more expensive to insure than older models. You may also qualify for additional discounts if your late-model Soul comes with advanced safety features.
But if you drive one of the early-model Kia Souls that have a high theft risk due to a manufacturing issue, you may pay higher rates for car insurance.
Here’s a look at Kia Soul insurance rates by model year and insurance company, according to Compare.com data.
Soul Model Year | Average Monthly Premium |
|---|---|
| 2025 | $158 |
| 2024 | $158 |
| 2023 | $157 |
| 2022 | $158 |
| 2021 | $151 |
| 2020 | $146 |
| 2019 | $142 |
| 2018 | $137 |
| 2017 | $134 |
| 2016 | $131 |
| 2015 | $129 |
| 2014 | $126 |
| 2013 | $120 |
| 2012 | $116 |
| 2011 | $113 |
| 2010 | $112 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $94 |
| Allstate | $104 |
| GEICO | $116 |
| American Family | $120 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $94 |
| Allstate | $104 |
| GEICO | $116 |
| American Family | $120 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $93 |
| Allstate | $104 |
| GEICO | $115 |
| American Family | $120 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $94 |
| Allstate | $104 |
| GEICO | $116 |
| American Family | $120 |
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $90 |
| Allstate | $100 |
| GEICO | $111 |
| American Family | $115 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $86 |
| Allstate | $96 |
| GEICO | $107 |
| American Family | $111 |
Company | Average Monthly Premium |
|---|---|
| USAA | $71 |
| State Farm | $84 |
| Allstate | $94 |
| GEICO | $104 |
| American Family | $108 |
Company | Average Monthly Premium |
|---|---|
| USAA | $68 |
| State Farm | $81 |
| Allstate | $90 |
| GEICO | $100 |
| American Family | $104 |
Company | Average Monthly Premium |
|---|---|
| USAA | $67 |
| State Farm | $80 |
| Allstate | $89 |
| GEICO | $99 |
| American Family | $102 |
Company | Average Monthly Premium |
|---|---|
| USAA | $65 |
| State Farm | $78 |
| Allstate | $86 |
| GEICO | $96 |
| American Family | $100 |
Company | Average Monthly Premium |
|---|---|
| USAA | $64 |
| State Farm | $76 |
| Allstate | $85 |
| GEICO | $94 |
| American Family | $98 |
Where you live affects the average monthly premium to insure your Kia Soul, right down to your ZIP code. State insurance requirements, traffic patterns, weather risks, theft, vandalism, and other local and regional factors all play a role in determining rates.[1]
The map below shows average rates by state for Kia Soul drivers, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $120 |
| Alaska | $118 |
| Arizona | $145 |
| Arkansas | $149 |
| California | $187 |
| Colorado | $182 |
| Connecticut | $239 |
| Delaware | $218 |
| Florida | $190 |
| Georgia | $229 |
| Hawaii | $120 |
| Idaho | $94 |
| Illinois | $137 |
| Indiana | $119 |
| Iowa | $94 |
| Kansas | $134 |
| Kentucky | $171 |
| Louisiana | $180 |
| Maine | $134 |
| Maryland | $260 |
| Massachusetts | $132 |
| Michigan | $195 |
| Minnesota | $151 |
| Mississippi | $126 |
| Missouri | $160 |
| Montana | $131 |
| Nebraska | $128 |
| Nevada | $221 |
| New Hampshire | $78 |
| New Jersey | $230 |
| New Mexico | $127 |
| New York | $170 |
| North Carolina | $81 |
| North Dakota | $107 |
| Ohio | $109 |
| Oklahoma | $155 |
| Oregon | $130 |
| Pennsylvania | $144 |
| Rhode Island | $201 |
| South Carolina | $214 |
| South Dakota | $126 |
| Tennessee | $122 |
| Texas | $197 |
| Utah | $132 |
| Vermont | $134 |
| Virginia | $164 |
| Washington | $152 |
| District of Columbia | $284 |
| West Virginia | $136 |
| Wisconsin | $105 |
| Wyoming | $93 |
Your age also affects what you pay for Kia Soul insurance. More experienced drivers tend to pay less for coverage than young drivers since they’re statistically less likely to get into accidents or take risks.
The table below shows the average monthly insurance costs for the Kia Soul by age group, based on Compare.com data. On average, it costs teens more than twice as much to insure a Kia Soul than seniors.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $253 |
| Adults | $124 |
| Seniors | $111 |
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Insurance companies set high monthly premiums for teen drivers based on statistical risk. Drivers between the ages of 16 and 19 are three times more likely to crash their vehicle than drivers aged 20 and older, according to data from the Centers for Disease Control and Prevention.[2]
But teenage Kia Soul drivers can find cheaper rates by shopping around, comparing quotes, and asking about discounts.
Here’s a look at some of the cheapest Kia Soul car insurance for teens and drivers younger than 25, based on Compare.com data.
Category | Price |
|---|---|
| USAA | $103 |
| State Farm | $131 |
| GEICO | $145 |
| Allstate | $147 |
| American Family | $152 |
Senior drivers typically engage in safer driving habits and drive less often than younger drivers, according to Insurance Information Institute data. So their insurance rates tend to be lower.
As a senior Kia Soul driver, you may qualify for much lower rates than younger drivers. Here’s a look at some of the cheapest Kia Soul car insurance rates for seniors.
Category | Price |
|---|---|
| USAA | $50 |
| State Farm | $56 |
| Allstate | $67 |
| GEICO | $70 |
| American Family | $74 |
Your driving record affects how much you pay for car insurance. Safe driving habits can help Soul drivers qualify for lower premiums. But insurance companies see high-risk drivers as more likely to file claims. Speeding tickets, at-fault accidents, driving under the influence (DUI) convictions, and other violations on your driving record can raise your rates.
The table below shows the average cost to insure your Kia Soul based on different driving records.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $131 |
| Speeding ticket | $175 |
| At-fault accident | $187 |
| DUI | $211 |
Even just one speeding ticket can raise your Kia Soul insurance premiums, compared to a clean record. But if you have a serious infraction, like a DUI, your rates could go up by nearly 40%.
In 2023, 10% of all police-reported traffic crashes were speeding-related, and speeding was a contributing factor in 29% of traffic fatalities, according to data from the National Highway Traffic Safety Administration (NHTSA).[3]
A speeding ticket can potentially raise insurance rates for your Kia Soul. But you may be able to save on rates by shopping around.
Here’s a look at some of the cheapest insurance for Kia Soul drivers with a speeding ticket, based on our data.
Category | Price |
|---|---|
| USAA | $84 |
| State Farm | $97 |
| Allstate | $113 |
| GEICO | $129 |
| American Family | $130 |
An accident on your driving history can increase monthly premiums on your Kia Soul insurance. That’s because insurers see you as statistically higher risk for more traffic violations after an accident.
But every insurer factors in your accident history differently when setting rates. So you could find lower rates by switching to a new insurer.
Check out the cheapest insurance companies for Kia Soul drivers with an at-fault accident, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $85 |
| State Farm | $99 |
| Allstate | $113 |
| GEICO | $117 |
| American Family | $130 |
Driving under the influence is a serious and dangerous infraction. The NHTSA estimates that on average, one alcohol-impaired-driving fatality occurred every 42 minutes in 2023.[4]
If you have a DUI on your driving record, it could cost more to insure your Kia Soul. But switching insurers could help you find a lower rate after a DUI.
Check out the table below for the cheapest Kia Soul insurance for drivers with a DUI, based on our data.
Category | Price |
|---|---|
| USAA | $95 |
| State Farm | $114 |
| Allstate | $127 |
| GEICO | $133 |
| American Family | $146 |
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Several factors affect Kia Soul car insurance rates. Some factors may be in your control, like which safety feature and trim level you choose, while other factors may be out of your hands, like Kia theft rates.
Here’s a look at some of the factors that influence Kia Soul car insurance rates:
Theft rates: Newer Kia Souls are no longer listed among the National Insurance Crime Bureau’s top stolen cars. But widespread past thefts may continue to affect insurance rates, especially if you drive an older model.
Recalls: The Kia Soul has had more than one manufacturer safety recall over the years. Recalls don’t directly affect rates, but if you don’t make the necessary repairs, your rates could go up.
Safety features: If your Kia Soul has advanced safety features, you may qualify for discounts, depending on your insurance company.
Additional features: Anti-theft devices on your Kia Soul can help reduce theft risk and may help you get a discount to lower your premium.
See quotes from top insurers, side by side.
Whether you already own a Kia Soul or you’re thinking about buying one, these strategies can help you get cheaper car insurance:
Choose a lower-cost trim. Higher Soul trim models often cost more to repair or replace, leading to higher insurance premiums. A basic trim package can help keep your policy affordable.
Raise your deductible. You can usually lower your premium by increasing your deductible. Just be sure you can afford to pay the higher deductible out of pocket if you need to file a claim.
Keep your driving record clean. Practicing safe driving habits is one of the best ways to save on car insurance for your Kia Soul. Consider enrolling in a telematics program that rewards safe driving for even more savings.
Compare car insurance quotes often. Auto insurance rates change over time and differ between insurers. Compare quotes at least once a year to find the best rates.
If you’re shopping for Kia Soul car insurance, check out the additional information below as you research your coverage options.
The Kia Soul costs less to insure than the national average. But the high theft rate of Kia Souls may affect your insurance rates. Shop around and compare car insurance quotes to find the best rates for your situation.
USAA has the cheapest average insurance rates for a Kia Soul. But only military members and their families are eligible for coverage from USAA. State Farm offers the next cheapest insurance coverage and is widely available.
Our data shows that a 2025 Kia Soul costs around $158 per month to insure, on average. But exact rates depend on the insurer and factors like driver age, ZIP code, driving record, and trim level.
The Kia Rondo is the cheapest Kia to insure at $105 per month on average. But it was discontinued in 2010. For a more current Kia model, the Kia Soul is the cheapest to insure at an average rate of $132 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
)
Licensed property and casualty insurance agent
NPN: 21630969
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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