How much is insurance on a Kia Soul?

Priced for the 2024 Soul, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Soul's rank is the same in every state.

Why the Kia Soul costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Kia Soul, on HLDI's scale where 100 is an average car and lower is better, it reports 83 for crash repairs, 84 for non-crash damage, 119 for damage to others' property, and 138 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage17% better than average3rd best of the 13 small cars we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage16% better than average5th best of the 13 small cars we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage19% worse than average11th best of the 13 small cars we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costWorse than averagefiled 38% more often than average10th best of the 12 small cars we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Soul comes out about 17% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 7% less than average: about $890 a year vs $950. On the liability side, damage to others and injury claims combine to about 30% worse than average. We count about half, so that part is about 16% more: $1,150 a year vs $990.

How the math works

In EPA size classes, the Soul is a small car (gas-powered). In Highway Loss Data Institute loss tables, the Kia Soul is benchmarked against small station wagons.

Matched to HLDI series “Kia Soul” (HLDI, 2022–24 models).

A used Kia Soul, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Soul (0–3 years old)	about $2,030	about $1,150	+$1,340	about $5,830
2022 Soul (4–7 years old)	about $1,920	about $1,150	+$1,270	about $5,520
2018 Soul (8–12 years old)	about $1,610	about $960	+$1,060	about $4,630
2013 Soul (13 or more years old)	about $1,600	about $1,040	+$1,060	about $4,590

Our catalog covers the Kia Soul across model years 2010–2025. Full coverage on a used 2013 Soul (13 or more years old) runs about $1,600 a year, $430 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,040 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Kia Soul in our catalog (Soul and Soul Eco dynamics) price within about $50 a year of each other.

On a policy of their own with a 2024 Kia Soul, a 22–25-year-old pays about $2,640 a year ($610 more than a 45-year-old), a 26–39-year-old about $2,250, and a driver 65 and older about $2,130.

Adding a 16-year-old with a Kia Soul

A new driver costs more with any car, and more than usual with the Kia Soul: adding a 16-year-old raises the family bill by about $1,340 a year ($110 a month), $60 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $5,830 a year ($4,490 more than adding them to the family policy).

For adding a teen driver, the Kia Soul ranks 40th most expensive out of all 121 models we track. Stepping down to a used 2013 Soul (13 or more years old) brings the teen add-on to about $1,060 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small cars

Among these 13 small cars, the Kia Soul is the 6th least expensive to insure. Right next to it are the Mazda 3 (about $2,030 a year) and the Volkswagen Jetta (about $2,070).

• 2024 Honda HR-Vabout $1,880 ($150 less)
• 2024 Chevrolet Traxabout $1,900 ($130 less)
• 2024 Buick Envistaabout $1,920 ($110 less)
• 2024 Mazda 3about $2,030 (about the same)
• 2024 Kia Soulabout $2,030 (this car)
• 2024 Volkswagen Jettaabout $2,070 (about the same)
• 2024 Toyota Corollaabout $2,070 (about the same)
• 2024 Ford Mustangabout $2,150 ($120 more)
• 2024 Nissan Versaabout $2,200 ($170 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Kia Soul costs in your state

In six sample states, a 2024 Kia Soul runs from about $1,410 a year in Wisconsin through Montana, Alaska, Mississippi and Rhode Island to about $2,670 in New York:

• Wisconsinabout $1,410/yr · +$930 teen
• Montanaabout $1,670/yr · +$1,100 teen
• Alaskaabout $1,780/yr · +$1,180 teen
• Mississippiabout $1,970/yr · +$1,300 teen
• Rhode Islandabout $2,410/yr · +$1,590 teen
• New Yorkabout $2,670/yr · +$1,770 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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