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Car Insurance Quotes for a Kia Soul

Are You Getting the Cheapest Car Insurance Available for a Kia Soul?

Illustration of Kia Soul

How Much Is Auto Insurance for a Kia Soul?

The average annual premium for a Kia Soul depends on the kind of auto insurance coverage you select. On average, you will pay $729 for minimum coverage and $1,475 for full coverage.

Full coverage car insurance is essentially three types of insurance in one. Together, your liability, comprehensive, and collision coverage pay for your losses in an accident while protecting you from claims made by other drivers. State-mandated liability insurance typically only covers damage to other vehicles besides your own.

Need help getting the right coverage for your Kia Soul? Freeway Insurance is ready to help you find the best possible policy for your budget.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for Your Soul to Other Vehicles

If you drive a Kia Soul, your premiums will differ compared to the drivers of other vehicles like the Mazda CX-5 and Hyundai Tucson. This is because the cost of insuring every make and model varies, even when vehicles are somewhat similar. Cars that are considered to be more “risk proof” than others will typically be cheaper to insure.

Make/Model Annual Full Coverage Insurance
Kia Soul $1,475
Mazda CX-30 $1,430
Jeep Renegade $1,476
Ford EcoSport $1,310
Toyota C-HR $1,418

Types of Car Insurance Coverage for Your Soul

There are different types of car insurance policies available to Kia Soul owners. When you purchase a policy, you can choose between full coverage auto insurance and the minimum liability coverage required by state law.

This choice is important. The cost of these policies can vary dramatically, but the coverage offered is also very different. You could be at risk of paying for an accident out of pocket without full coverage insurance, which includes liability, comprehensive, and collision insurance. This is different from the minimum coverage required by state law.

Whether or not you obtain full coverage is not the only factor that impacts what your insurance will cost. There are other factors that impact the cost of these policies outside of the amount of coverage offered.

Full Coverage

When you select full coverage car insurance, you do so to protect yourself financially in case of an accident. Full coverage car insurance is a combination of liability, comprehensive, and collision coverage.

Liability insurance is the most basic type of insurance coverage available. It covers the damage claims by third parties in situations where you are liable for the accident. This type of policy will not cover your own losses.

Collision insurance provides you with coverage when you are involved in any kind of collision. This could include a collision with another car, a commercial vehicle, or even a fixed object like a wall.

Comprehensive coverage is designed to pay for your losses when your vehicle is damaged outside of a collision. This can happen due to things like vandalism or weather damage.

State Minimum Liability

Each state requires drivers to prove that they have financial responsibility in the case of an accident. This is necessary to ensure that motorists are not left paying for an accident they did not cause.

In general, states require a minimum level of liability auto insurance in three ways: bodily injury damages per person, bodily injury damages per accident, and property damages per accident.

Each state has its own approach to these insurance minimums. For example, Texas has a minimum insurance requirement of $30,000 for bodily injuries per person, $60,000 for bodily injuries per accident, and at least $25,000 for property damages.

Individual Facts That Influence Pricing for the Kia Soul

There are varying reasons why the cost of insuring a Kia Soul is different than other types of vehicles. Some of these factors include the following:

Loss Probability

Even similar vehicles like the Jeep Renegade can have substantially different insurance costs. This is based on the probability of Kia Souls being involved in accidents or stolen compared to other types of vehicles. Insurance companies consider the “loss probability” of a vehicle when making this decision. This involves a careful look at the rate of accidents for the Kia Soul compared to other vehicles, as well as the extent of the damages in these accidents.

Vehicle Safety Features and Ratings

Insurance companies also take into account things like safety ratings and features. The safer a vehicle is, the more likely the insurance companies are to provide coverage each month for less money. The Kia Soul was awarded four stars by the NHTSA.

Vehicle Value

The value of a make and model can also impact the cost of insurance. More expensive vehicles will typically cost more to insure. Less expensive cars, especially older models, often cost much less to insure each month.

Red 2019 Kia Soul

How Does a DUI Affect Insurance Rates for a Kia Soul?

No matter what car you drive, a DUI conviction will impact the cost of your insurance moving forward. As a Kia Soul driver, you can expect those insurance races to go up—unless your policy is canceled entirely.

When you are convicted of a DUI, you are considered a high-risk driver. Insurance companies will require you to pay more for your policy, and you will also have to prove that you are financially responsible for accidents moving forward. This is done by acquiring an SR-22 certification. SR-22 requirements show the state that high-risk drivers have secured insurance coverage.

If your policy is canceled, you’ll need to shop around for cheap DUI insurance.

What Are Some Auto Insurance Discounts?

When it comes to saving money on your car insurance, you have options. In fact, you could be entitled to a number of discounts that could drastically reduce your monthly insurance costs.

An independent agent can help you review your circumstances and determine which discounts might apply to you. For example, you could be entitled to a discount on your premium if you have a clean driving record. The Good Driver discount could significantly impact the cost of your coverage. In addition to this discount, some of the factors that could help you save money include the following:

You could save even more money by bundling policies. For example, you could save money by purchasing both your auto policy, as well as your homeowner’s policy from the same company.

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What Are Some of the Characteristics of the Soul?

First manufactured in 2008, the Kia Soul is a five-door hatchback with boxy proportions. This subcompact car has the aesthetics of a small SUV, but it is worth noting it does not come with all-wheel drive. Instead, this vehicle has always been exclusively a front-wheel drive car.

The Soul features two bucket seats in the front and a flat-folding bench in the rear. This folding seating option in the back allows you to choose between carrying up to five passengers or having a surprising amount of storage space in the back.


Find the Best Car Insurance Rates Online for Kia Soul Today

Freeway Insurance is here to help you get cheap coverage at a great rate for your Kia Soul. Talk to us today to find cheap car insurance matching your coverage needs.

We can help you find the cheapest car insurance for a Kia Soul so that you and your family have the coverage you need. Call us at (800) 777-5620, come get a fast and free quote for car insurance online or stop by one of our locations.

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