How much is insurance on a Kia Soul?
A 2024 Kia Soul runs about $2,030 a year for a typical 45-year-old, $90 more than an average 2024 car: more at-fault claims outweigh slightly cheaper repairs.
2024 Kia Soul, national average
about $2,030 a year (about $170 a month)
roughly $1,500–$2,700
An average 2024 car: about $1,940. An older Kia Soul costs less (below).
Priced: the 2024 Soul (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Kia Soul, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $2,030 | about $1,150 | +$1,340 | about $5,830 |
| 2022 (4–7 years old) | about $1,920 | about $1,150 | +$1,270 | about $5,520 |
| 2018 (8–12 years old) | about $1,810 | about $1,150 | +$1,190 | about $5,190 |
| 2013 (13 or more years old) | about $1,690 | about $1,150 | +$1,120 | about $4,860 |
We list the Kia Soul for 2010–2025. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 2 versions of the 2024 Kia Soul we list (Soul and Soul Eco dynamics) all come out within about $50 of each other.
The Kia Soul for other drivers on their own policy, a year: 22–25, $2,640; 26–39, $2,250; 65 and older, $2,130.
Adding a 16-year-old with a Kia Soul
A new 16-year-old driving the Kia Soul adds about $1,340 a year ($110 a month), $60 more than with an average 2024 car.
For adding a teen, the Kia Soul ranks 40th most expensive of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Kia Soul costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- lower than average
- Theft and weather
- lower than average
- Damage to others
- higher than average
- Injuries to others
- much higher than average
The part that fixes or replaces the Kia Soul: about $890, against $950 for an average 2024 car (7% less). The part that pays for harm to others: about $1,150, against $990 for an average car (16% more).
By the EPA's size classes it's a small car, and it's gas-powered. The Highway Loss Data Institute groups it with small station wagons.
Matched to “Kia Soul” in HLDI's results.
Similar small cars
Among these 13 small cars, the Kia Soul is the 6th least expensive to insure.
- 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)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.