)
Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Updated
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.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
In This Article
The Kia Soul is one of the most popular subcompact SUVs, and for good reason — it’s relatively affordable and surprisingly spacious.
And because of its affordability, the Soul is relatively inexpensive to insure — the average owner pays around $134 per month for coverage. Certainly offers the cheapest premiums for the Kia Soul, with rates averaging just $63 per month. But other insurers may also offer more affordable auto coverage, depending on your coverage needs and driver profile.
We’ll tell you the cheapest insurers for your Kia Soul and how to save money on your car insurance.
Certainly offers the cheapest average rates for the Kia Soul, at $63 per month.
Kia Soul drivers pay an average of $134 per month for auto coverage, which is cheaper than the national average for all vehicles of $152.
North Carolina has the cheapest Kia Soul rates, averaging $59 per month.
How Much Does It Cost to Insure a Kia Soul?
How much you pay to insure your Kia Soul depends on your coverage needs. Full coverage typically costs more than liability insurance. But it also includes bodily injury liability, property damage liability, comprehensive, and collision coverage. Liability-only policies include only bodily injury liability and property damage liability insurance.
Here’s a look at the average rates to insure a Kia Soul based on coverage type and how they compare to the national average for all vehicles, according to Compare.com data.
Vehicle | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
---|---|---|---|
Kia Soul | $94 | $174 | $134 |
All vehicles | $107 | $197 | $152 |
Kia Soul drivers pay an average of $94 per month for liability-only insurance and $174 per month for full coverage. Both rates are well below the national average for all cars. Still, your insurance costs can vary depending on your location, age, driving record, car model year, and other factors.
The Cheapest Car Insurance Companies for the Kia Soul
Remember, the rates above are just averages, and you might find cheaper coverage elsewhere. Many car insurance companies offer a range of discounts, reducing your rates even more.
Here are the five cheapest insurers for the Kia Soul, based on Compare.com data.
Company | Average Monthly Premium |
---|---|
Certainly | $63 |
Novo | $67 |
Mile Auto | $75 |
Travelers | $76 |
Apparent | $78 |
Certainly offers the cheapest monthly premiums, with drivers paying an average of $63 per month. But it may not be the cheapest option for everyone. That’s why you should always compare car insurance quotes.
Below, we’ll break down the most affordable companies for different Kia Soul drivers.
The Best Insurance Companies for Kia Soul Drivers
There’s no single best car insurance company for everyone. Instead, you’ll need to shop around, compare quotes, and research discounts to find the best coverage for your needs.
To provide a starting point for comparing insurance, we evaluated different companies’ average rates, available discounts, customer ratings and reviews, and coverage options. Here’s what we found.
AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
---|---|
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. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers offers some of the cheapest average rates for the Kia Soul among the insurers we evaluated. The company also lets you get quotes and manage claims through its mobile app. That said, you may have to look elsewhere if you want personal support, as Travelers doesn’t have local agents everywhere.
Cheap average rates
Plenty of availabile discounts
Very few customer complaints
Limited local agent network
Low J.D. Power satisfaction ratings
Must call to finalize quote
AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
---|---|
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. | 4.4 /5 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Mile Auto offers flexible, pay-per-mile car insurance to drivers in Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas. If you work from home and don’t drive often, you could save money by choosing Mile Auto instead of standard auto coverage. The insurer offers convenient online quotes, but its limited availability may be a drawback for some Kia Soul drivers.
Rates based on your mileage
Privacy-focused
Quotes available online
Available in only seven states
Mixed customer ratings[1]
Not great for high-mileage drivers
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 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
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.
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 a great choice for drivers of most vehicles — especially for Kia Soul owners who practice safe driving. The company’s Drive Safe & Save program monitors your driving habits and hands out big discounts if you score highly.
But if you want maximum policy customization, you may have to look elsewhere. Compared to the other big-name insurers, State Farm’s coverage options are somewhat minimal.
Affordable premiums
Lots of available discounts
Great claims satisfaction ratings
No BBB accreditation
Must work with local agent
Somewhat limited coverage options
Kia Soul Insurance Rates by Model Year
The age of your Kia Soul indirectly affects your insurance premiums. Typically, older cars cost less to insure because they’re less expensive to repair or replace.
The table below highlights the average monthly premiums and the cheapest insurer for different Kia Soul model years, according to Compare.com data.
Soul Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
---|---|---|---|
2025 | $147 | Safeco | $114 |
2024 | $157 | Mile Auto | $78 |
2023 | $149 | Safeco | $91 |
2022 | $145 | Root | $103 |
2021 | $147 | Certainly | $63 |
2020 | $140 | Certainly | $76 |
2019 | $140 | Certainly | $80 |
2018 | $139 | Mile Auto | $75 |
2017 | $136 | Certainly | $72 |
2016 | $130 | Certainly | $52 |
2015 | $130 | Certainly | $63 |
2014 | $123 | Certainly | $56 |
2013 | $121 | Certainly | $49 |
2012 | $124 | Mile Auto | $56 |
Kia Soul Insurance Rates by State
Where you live affects your Kia Soul insurance rates. Car insurance requirements vary by state, which accounts for some of the differences in cost. Your ZIP code may also affect your insurance prices, with drivers in larger urban areas often paying more for coverage.
This map breaks down average Kia Soul insurance rates by state, according to Compare.com data.
Average Soul Rates by State
state_id | Average Monthly Premium |
---|---|
Alabama | $79 |
Arizona | $106 |
Arkansas | $151 |
California | $152 |
Colorado | $124 |
Connecticut | $240 |
Delaware | $147 |
Florida | $154 |
Georgia | $157 |
Idaho | $80 |
Illinois | $98 |
Indiana | $85 |
Iowa | $72 |
Kansas | $97 |
Kentucky | $154 |
Louisiana | $143 |
Maine | $94 |
Maryland | $217 |
Massachusetts | $119 |
Michigan | $185 |
Minnesota | $119 |
Mississippi | $119 |
Missouri | $116 |
Montana | $96 |
Nebraska | $111 |
Nevada | $188 |
New Hampshire | $72 |
New Jersey | $125 |
New Mexico | $91 |
New York | $304 |
North Carolina | $59 |
North Dakota | $91 |
Ohio | $80 |
Oklahoma | $102 |
Oregon | $102 |
Pennsylvania | $103 |
Rhode Island | $91 |
South Carolina | $173 |
South Dakota | $76 |
Tennessee | $89 |
Texas | $140 |
Utah | $115 |
Vermont | $86 |
Virginia | $114 |
Washington | $88 |
District of Columbia | $180 |
West Virginia | $91 |
Wisconsin | $80 |
Wyoming | $76 |
Kia Soul Insurance Rates by Age
Insurance companies pay close attention to your age when determining your car insurance rates. Generally, teen drivers pay the most for auto coverage out of any age group, while seniors tend to pay the least.
This table lists average car insurance rates for different age groups, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
---|---|---|---|
Teens | $252 | Certainly | $118 |
Adults | $122 | Certainly | $57 |
Seniors | $103 | Certainly | $48 |
Teens tend to engage in riskier driving behaviors, making them more susceptible to accidents, according to the Insurance Institute for Highway Safety.[2] By contrast, seniors tend to drive more safely than other age groups.[3]
Either way, Certainly tends to offer the lowest average rates for both age groups.
Kia Soul Insurance Rates by Driving Record
Your history behind the wheel also affects your car insurance costs. Kia Soul drivers with a clean record pay substantially less for coverage than drivers with speeding tickets, at-fault accidents, or driving under the influence (DUI) convictions.
Here’s how average rates compare among different driving records, according to our data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
---|---|---|---|
Clean record | $134 | Certainly | $63 |
Speeding ticket | $186 | Certainly | $87 |
At-fault accident | $194 | Certainly | $91 |
DUI | $220 | Certainly | $103 |
Certainly offers the lowest average monthly premiums for drivers with clean records and people with violations.
Kia Soul Features and Options That Affect Insurance Rates
In addition to your Kia Soul’s model year, your vehicle’s features can also affect insurance costs. Base model vehicles tend to be the cheapest to insure, while higher-end models usually have more bells and whistles — and more things that can break, driving up repair costs.
Here are a few features in different 2025 Kia Soul models that could influence your rates:
Safety features: All 2025 Kia Soul models include the same safety features, so they’re unlikely to affect your rates.
Infotainment features: Higher-end Kia Soul models have more connected car features, including larger touch screens, remote start, and extra power ports. These extras could make your car more expensive to insure.
Drivewise technologies: The Kia Soul comes with various Drivewise technologies, like highway driving assist and rear occupant alert. These features may make driving more convenient, but they also increase the price of your car. More features typically mean higher insurance rates.
How to Get Cheaper Car Insurance for Your Kia Soul
No matter the average rates for your Kia Soul, you can always save money on your car insurance. Below are a few ways you could get cheaper coverage.
Opt for pay-per-mile coverage. If you don’t drive often, pay-per-mile coverage might help you save money on your car insurance. Consider a usage-based policy from a nontraditional insurer like Mile Auto or Certainly.
Choose an older model. Not only do older Kia Soul models come with a cheaper price tag, but they’re also generally cheaper to insure.
Look for discounts. Car insurance discounts vary by insurer, and some companies offer more discounts than others. Researching potential discounts could help you keep more money in your pocket.
Compare car insurance. Comparing car insurance quotes from different companies is one of the best ways to find cheap coverage.
Kia Soul Auto Insurance FAQs
If you still have questions about coverage for your Kia Soul, we’re here to help. Below, we answered some common questions about Kia Soul car insurance.
Is the Kia Soul expensive to insure?
Not usually. The Kia Soul is relatively affordable to insure compared to other models. Soul drivers pay an average of $135 per month for car insurance, while drivers of other vehicles pay an average of $152 per month, according to Compare.com data.
What’s the cheapest insurance company for a Kia Soul?
Certainly offers the cheapest average monthly premiums for Kia Soul drivers, at $63 per month, according to Compare.com data. That said, your actual rate will depend on your unique driving profile, location, age, and other factors.
How much is car insurance for a 2025 Kia Soul?
Drivers of the 2025 Kia Soul pay an average of $147 per month for car insurance, according to Compare.com data. But your rate can vary widely based on where you live, your driving history, and more.
What’s the cheapest Kia to insure?
The Soul is the cheapest Kia model to insure. Soul drivers pay an average of $135 per month for car insurance, according to Compare.com data.
Methodology
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.
Related Articles
)
Average Pickup Truck Insurance Cost Per Month I Compare.com
)
Are Older Cars Cheaper to Insure?
)
Insurance Rates by Car Make and Model
)
Luxury Car Insurance Quotes (Real 2025 Rates)
)
Cheap Car Insurance for SUVs (2024)
)
The Cheapest Cars to Insure in 2024
)
How Insurance Rates Differ by Car Model
)
Cheapest Car Insurance for Vans (2024)
Sources
- Trustpilot. "Mile Auto Reviews."
- Insurance Institute for Highway Safety. "Teenagers."
- Insurance Institute for Highway Safety. "Older Drivers."
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
)
Jess Ullrich is a personal finance writer who’s been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and she's been contributing to Compare.com since 2024. Prior to writing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz.
)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.