Best Kia Soul Auto Insurance in 2024 (Compare the Top 10 Companies)
For the best Kia Soul auto insurance, State Farm, USAA, and Nationwide offer the top rates, starting at just $43 per month. These companies provide competitive pricing and comprehensive coverage, making car insurance for Kia Soul both affordable and reliable. Discover how these leading insurers meet your needs.
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Heidi Mertlich
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Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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UPDATED: Jul 30, 2024
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UPDATED: Jul 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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For the best Kia Soul auto insurance at $43 per month, the top picks are State Farm, USAA, and Nationwide. These providers offer competitive rates and comprehensive coverage tailored to your needs. Evaluate multiple factors like discounts and customer service to find the best Kia Soul car insurance.
When considering Kia Soul car insurance, it’s essential to ask who are the reputable auto insurance companies? The article discusses top providers like Geico and Progressive, highlighting their strengths in customer satisfaction, discounts, and coverage options, ensuring you make an informed decision for your Kia Soul.
Our Top 10 Company Picks: Best Kia Soul Auto Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 12% B Many Discounts State Farm
#2 15% A++ Military Savings USAA
#3 10% A+ Usage Discount Nationwide
#4 18% A Online App AAA
#5 14% A+ Add-on Coverages Allstate
#6 17% A++ Cheap Rates Geico
#7 11% A+ Online Convenience Progressive
#8 13% A++ Accident Forgiveness Travelers
#9 16% A Local Agents Farmers
#10 19% A Customizable Polices Liberty Mutual
Start saving on your auto insurance by entering your ZIP code above and comparing quotes.
- State Farm offers the best Kia Soul auto insurance
- Kia Soul policies include roadside assistance and rental coverage
- Insurance options are customizable for Kia Soul owners
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#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates for Kia Soul: State Farm offers competitive rates for Kia Soul insurance at $127 per month, making it an attractive option for budget-conscious drivers seeking comprehensive coverage without breaking the bank.
- Wide Range of Discounts: As mentioned in our State Farm auto insurance review, State Farm provides various discounts, such as multi-policy and good driver discounts, which can significantly reduce the cost of Kia Soul insurance, enhancing affordability and value.
- Extensive Agent Network: State Farm boasts a large network of local agents, offering Kia Soul owners personalized service and support for managing their insurance needs, from policy adjustments to claims assistance.
Cons
- Limited Availability of Online Tools: State Farm’s online tools and mobile app features might be less comprehensive compared to competitors, potentially impacting the convenience for Kia Soul owners who prefer managing their policies digitally.
- Higher Rates for High-Risk Drivers: While State Farm offers competitive rates for average drivers, Kia Soul owners with a history of traffic violations or accidents may find the premiums higher compared to other providers.
#2 – USAA: Best for Military Savings
Pros
- Military Focused Benefits: USAA specializes in serving military members and their families, offering unique benefits and tailored insurance options for Kia Soul owners affiliated with the armed forces.
- Excellent Customer Service: Known for its outstanding customer service, USAA provides Kia Soul drivers with personalized support and efficient claims handling, ensuring a smooth insurance experience.
- Comprehensive Coverage Options: As outlined in USAA auto insurance review, the company offers extensive coverage options, including comprehensive, collision, and liability, allowing Kia Soul owners to customize their policies to fit their specific needs.
Cons
- Restricted Eligibility: USAA is only available to military members, veterans, and their families, limiting access for other Kia Soul drivers who may be seeking its benefits and competitive rates.
- Moderate Premium Rates: At $156 per month, USAA’s rates are higher than some competitors, which might be a drawback for budget-conscious Kia Soul owners looking for the lowest possible insurance costs.
#3 – Nationwide: Best for Usage Discount
Pros
- Vanishing Deductible: Nationwide offers a vanishing deductible program, which rewards Kia Soul owners with a decreasing deductible for each year of safe driving, potentially saving money on out-of-pocket expenses.
- Extensive Coverage Options: With a variety of coverage options, including comprehensive, collision, and rental car reimbursement, Nationwide allows Kia Soul drivers to customize their insurance to meet their specific needs.
- Strong Financial Ratings: Nationwide’s high A.M. Best rating signifies strong financial health, providing Kia Soul owners confidence in the company’s ability to handle claims and payouts efficiently. For more information, read our Nationwide auto insurance review.
Cons
- Higher Premiums: Nationwide’s average monthly premium of $187 is on the higher end, which may be a significant consideration for Kia Soul drivers looking to minimize insurance costs.
- Average Customer Service: While Nationwide provides solid insurance coverage, its customer service ratings are average, which might affect the overall satisfaction of Kia Soul owners in need of support or claims assistance.
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#4 – AAA: Best for Online App
Pros
- Affordable Rates: AAA offers very competitive rates for Kia Soul insurance at $109 per month, making it one of the more budget-friendly options for comprehensive auto coverage.
- Roadside Assistance: AAA includes extensive roadside assistance as part of their membership, providing Kia Soul owners with peace of mind and additional value beyond standard insurance coverage.
- Member Discounts: As mentioned in our AAA auto insurance review, AAA provides various member discounts on insurance, travel, and other services, which can help Kia Soul drivers save even more money on their overall expenses.
Cons
- Membership Requirement: AAA requires a membership for access to its insurance products, which might be an additional cost and inconvenience for Kia Soul owners who are not already members.
- Mixed Customer Service Reviews: While many customers are satisfied with AAA’s services, there are mixed reviews regarding customer service, which could impact the experience for Kia Soul owners needing support.
#5 – Allstate: Best for Add-on Coverages
Pros
- Customizable Coverage: Allstate offers a wide range of customizable coverage options, allowing Kia Soul owners to tailor their insurance policies to meet their specific needs and preferences.
- Drivewise Program: Allstate’s Drivewise program rewards safe driving with discounts, which can help Kia Soul drivers lower their insurance premiums based on their driving habits. Learn more about their discounts in our Allstate auto insurance review.
- Strong Financial Stability: With a solid A.M. Best rating, Allstate provides reliable financial security, ensuring Kia Soul owners that their claims will be handled efficiently and effectively.
Cons
- Higher Premiums: At $171 per month, Allstate’s rates are higher compared to some other insurers, which may be a deterrent for Kia Soul owners seeking more affordable coverage options.
- Mixed Customer Service: Allstate has received mixed reviews regarding its customer service, which could affect the satisfaction of Kia Soul drivers when dealing with claims or policy inquiries.
#6 – Geico: Best for Cheap Rates
Pros
- Competitive Rates: Geico offers competitive rates for Kia Soul insurance at $154 per month, making it a cost-effective option for drivers seeking comprehensive coverage without high premiums.
- User-Friendly Online Tools: Geico’s robust online tools and mobile app make managing insurance policies convenient for Kia Soul owners, providing easy access to policy details and claims filing.
- Good Driver Discounts: As mentioned in our Geico auto insurance review, the company provides discounts for good drivers, which can help Kia Soul owners lower their insurance costs by maintaining a clean driving record.
Cons
- Limited Local Agents: Geico’s reliance on digital tools means fewer local agents, which might be a drawback for Kia Soul owners who prefer in-person interactions for their insurance needs.
- Average Coverage Options: While Geico offers competitive rates, their coverage options may not be as extensive or customizable as those provided by some other insurers, potentially limiting options for Kia Soul owners.
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#7 – Progressive: Best for Online Convenience
Pros
- Snapshot Program: Progressive’s Snapshot program offers discounts based on driving habits, allowing Kia Soul owners to potentially lower their insurance costs by demonstrating safe driving.
- Extensive Coverage Options: As mention in Progressive auto insurance review, Progressive provides a wide range of coverage options, including comprehensive, collision, and custom parts coverage, enabling Kia Soul drivers to tailor their insurance to their specific needs.
- Strong Financial Ratings: With a high A.M. Best rating, Progressive ensures financial reliability, giving Kia Soul owners confidence in the company’s ability to handle claims effectively.
Cons
- Higher Premiums for Some Drivers: Progressive’s rates, averaging $166 per month, may be higher for certain Kia Soul drivers, particularly those with less-than-perfect driving records.
- Mixed Customer Satisfaction: Progressive has received mixed reviews regarding customer satisfaction, which could impact the experience for Kia Soul owners in need of claims or policy support.
#8 – Travelers: Best for Accident Forgiveness
Pros
- Extensive Coverage Options: Travelers offers a broad range of coverage options, including comprehensive, collision, and rental car coverage, allowing Kia Soul owners to customize their policies to fit their needs.
- Strong Financial Stability: With a high A.M. Best rating, Travelers provides reliable financial security, ensuring Kia Soul owners that their claims will be processed efficiently.
- Bundle Discounts: As outlined in our Travelers auto insurance review, Travelers offers significant discounts for bundling auto insurance with other types of insurance, such as home or renters, providing savings for Kia Soul owners with multiple policies.
Cons
- High Premiums: At $260 per month, Travelers’ rates are significantly higher than those of many competitors, which may be prohibitive for budget-conscious Kia Soul drivers.
- Average Customer Service: Travelers has received average reviews for customer service, which might affect the overall satisfaction of Kia Soul owners when dealing with claims or inquiries.
#9 – Farmers: Best for Local Agents
Pros
- Comprehensive Coverage Options: Farmers offers a wide variety of coverage options, including comprehensive, collision, and roadside assistance, allowing Kia Soul owners to tailor their policies to meet their specific needs.
- Discount Opportunities: Farmers provides multiple discount opportunities, such as safe driver and multi-policy discounts, which can help Kia Soul drivers save on their insurance premiums. Check out this page Farmers auto insurance review to know more details.
- Strong Financial Ratings: With a solid A.M. Best rating, Farmers ensures reliable financial stability, providing Kia Soul owners with confidence in the company’s ability to handle claims efficiently.
Cons
- Higher Premiums: At $190 per month, Farmers’ rates are higher compared to some other insurers, which might be a drawback for Kia Soul owners looking for more affordable coverage.
- Mixed Customer Reviews: Farmers has received mixed reviews regarding customer service, which could impact the experience for Kia Soul drivers needing support or claims assistance.
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#10 – Liberty Mutual: Best for Customizable Polices
Pros
- Competitive Rates: As mentioned in our Liberty Mutual auto insurance review, the company offers competitive rates for Kia Soul insurance at $148 per month, providing an affordable option for drivers seeking comprehensive coverage.
- Customizable Coverage Options: Liberty Mutual provides a wide range of customizable coverage options, allowing Kia Soul owners to tailor their policies to their specific needs and preferences.
- Accident Forgiveness: Liberty Mutual’s accident forgiveness program helps protect Kia Soul drivers from rate increases after their first accident, offering valuable peace of mind.
Cons
- Limited Discounts: Liberty Mutual may offer fewer discounts compared to other insurers, which could limit savings opportunities for Kia Soul owners looking to reduce their insurance costs.
- Average Customer Service: Liberty Mutual has received average reviews for customer service, which might affect the overall satisfaction of Kia Soul drivers when dealing with claims or policy inquiries.
Kia Soul Insurance Cost
The table below compares monthly rates for minimum and full coverage car insurance for a Kia Soul from various providers.
Kia Soul Auto Auto Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $35 $109
Allstate $60 $171
Farmers $62 $190
Geico $51 $154
Liberty Mutual $48 $148
Nationwide $62 $187
Progressive $54 $166
State Farm $43 $127
Travelers $85 $260
USAA $49 $156
Comparing insurance rates from top providers can help you find the most affordable and comprehensive coverage for your Kia Soul. Use this information to make an informed decision and save on your auto insurance costs.
Kia Soul Auto Insurance Monthly Rates by Coverage Type
| Category | Rates |
|---|---|
| Average Rate | $112 |
| Discount Rate | $66 |
| High Deductibles | $96 |
| High Risk Driver | $238 |
| Low Deductibles | $140 |
| Teen Driver | $408 |
Understanding how factors like deductibles and driver profiles impact your Kia Soul insurance rates can help you choose the best policy for your needs. Compare these rates carefully to find the optimal balance between cost and coverage.
Read More: When to Buy More Than Minimum Auto Insurance
Why Kia Souls are Expensive to Insure
The chart below details how Kia Soul insurance rates compare to other hatchbacks like the Toyota Yaris and FIAT 500L.
Kia Soul Auto Insurance Monthly Rates vs. Similar Cars by Coverage Type
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| Kia Soul | $25 | $41 | $31 | $111 |
| Toyota Yaris | $21 | $39 | $33 | $107 |
| FIAT 500L | $21 | $39 | $37 | $113 |
While the Kia Soul’s insurance rates are slightly higher than some competitors, they remain competitive within the hatchback category. Carefully comparing these costs can help you find the best insurance option for your budget and needs.
Read More: Fiat Auto Insurance
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Factors Influencing the Kia Soul Insurance Cost
The Kia Soul trim and model you choose can impact the total price you will pay for Kia Soul insurance coverage. Higher-end trims with advanced features and higher performance capabilities often lead to increased insurance premiums due to the higher cost of repairs and replacements.
Newer models may come with higher insurance costs compared to older models because of their higher market value and the expense of newer parts.Daniel Walker LICENSED AUTO INSURANCE AGENT
Safety features and ratings also play a significant role; a Kia Soul equipped with the latest safety technology may qualify for discounts and lower rates.
Your location, driving history, and the frequency of claims for similar vehicles in your area further influence insurance costs. Understanding these factors can help you make informed decisions when selecting your Kia Soul and its insurance coverage.
Age of the Vehicle
Older Kia Soul models generally cost less to insure. For example, auto insurance rates for a 2020 Kia Soul are $111, while 2010 Kia Soul rates are $92, a difference of $20.
Kia Soul Auto Insurance Monthly Rates by Age of the Vehicle
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| 2024 Kia Soul | $26 | $43 | $31 | $115 |
| 2023 Kia Soul | $26 | $42 | $31 | $114 |
| 2022 Kia Soul | $25 | $42 | $31 | $114 |
| 2021 Kia Soul | $25 | $42 | $31 | $113 |
| 2020 Kia Soul | $25 | $41 | $31 | $111 |
| 2019 Kia Soul | $24 | $40 | $32 | $110 |
| 2018 Kia Soul | $23 | $39 | $33 | $109 |
| 2017 Kia Soul | $22 | $38 | $34 | $109 |
| 2016 Kia Soul | $21 | $37 | $35 | $108 |
| 2015 Kia Soul | $20 | $35 | $36 | $106 |
| 2014 Kia Soul | $19 | $33 | $37 | $104 |
| 2013 Kia Soul | $19 | $31 | $38 | $101 |
| 2012 Kia Soul | $18 | $28 | $38 | $98 |
| 2011 Kia Soul | $17 | $25 | $38 | $94 |
| 2010 Kia Soul | $16 | $24 | $39 | $92 |
Insurance rates for Kia Soul models tend to decrease with the vehicle’s age, making older models more affordable to insure. For example, newer models are generally more expensive to insure compared to their older counterparts.
Driver Age
Driver age can have a significant effect on Kia Soul insurance rates. For example, 20-year-old drivers pay $136 more for their Kia Soul auto insurance each month than 30-year-old drivers.
Kia Soul Auto Insurance Monthly Rates by Age
| Age | Rates |
|---|---|
| Age: 16 | $469 |
| Age: 18 | $408 |
| Age: 20 | $253 |
| Age: 30 | $116 |
| Age: 40 | $112 |
| Age: 45 | $107 |
| Age: 50 | $102 |
| Age: 60 | $100 |
Insurance rates for Kia Soul drivers decrease significantly with age, making it more affordable for older drivers. Younger drivers, especially teens, face much higher premiums due to higher risk factors.
Driver Location
Where you live can have a large impact on Kia Soul insurance rates. For example, drivers in Jacksonville may pay $67 a month more than drivers in Indianapolis.
Kia Soul Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Chicago, IL | $147 |
| Columbus, OH | $93 |
| Houston, TX | $175 |
| Indianapolis, IN | $95 |
| Jacksonville, FL | $162 |
| Los Angeles, CA | $191 |
| New York, NY | $176 |
| Philadelphia, PA | $149 |
| Phoenix, AZ | $129 |
| Seattle, WA | $108 |
Insurance rates for Kia Soul drivers vary significantly by location, with urban areas generally seeing higher premiums. For instance, drivers in Jacksonville may pay considerably more than those in Indianapolis due to regional risk factors.
Your Driving Record
Your driving record can have an impact on the cost of Kia Soul auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Kia Soul auto insurance with violations on their driving record.
Kia Soul Auto Insurance Monthly Rates by Age & Driving History
| Age | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| Age: 16 | $469 | $704 | $938 | $625 |
| Age: 20 | $408 | $612 | $816 | $544 |
| Age: 30 | $253 | $380 | $510 | $338 |
| Age: 40 | $116 | $174 | $234 | $155 |
| Age: 50 | $112 | $168 | $226 | $150 |
| Age: 60 | $107 | $161 | $217 | $144 |
| Age: 50 | $102 | $153 | $206 | $137 |
| Age: 60 | $100 | $150 | $202 | $135 |
Violations on your driving record can significantly increase Kia Soul insurance costs, especially for younger drivers. Maintaining a clean record is crucial for keeping premiums affordable.
Safety Ratings
The Kia Soul boasts impressive safety ratings, making it a secure choice for drivers. Below is a breakdown of its performance in various crash tests.
Kia Soul Safety Ratings
| Type | Rating |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
The Kia Soul’s excellent safety ratings can positively influence its auto insurance rates. High safety scores in various crash tests make it a reliable choice for safety-conscious drivers.
Crash Test Ratings
Kia Soul crash test ratings provide valuable insights into the vehicle’s safety performance. The table below details the ratings for various model years and configurations.
Kia soul Crash Test
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2024 Kia Soul SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2024 Kia Soul Electric SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2023 Kia Soul SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2023 Kia Soul Electric SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2022 Kia Soul SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2022 Kia Soul Electric SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Kia Soul SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2021 Kia Soul Electric SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Kia Soul SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Kia Soul Electric SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Kia Soul EV SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Kia Soul EV SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Kia Soul EV SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Kia Soul SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Kia Soul EV SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
The solid crash test ratings for the Kia Soul can help lower insurance rates by demonstrating its safety. These ratings offer peace of mind for drivers and passengers alike.
Kia Soul Safety Features
Having a variety of safety features on your Kia Soul can help lower your insurance costs. According to AutoBlog, the Kia Soul’s safety features include:
- Comprehensive Air Bag Coverage: Includes driver, passenger, front head, rear head, and front side air bags.
- Advanced Braking Systems: Equipped with 4-wheel ABS, 4-wheel disc brakes, and brake assist.
- Enhanced Stability: Features electronic stability control and traction control.
- Safety Features for Children: Includes child safety locks.
- Visibility and Awareness: Daytime running lights improve vehicle visibility.
By integrating these advanced safety measures, the Kia Soul offers a safer driving experience. These features not only protect occupants but also contribute to potentially lower insurance premiums.
Loss Probability
The lower percentage means lower Kia Soul auto insurance costs; higher percentages mean higher Kia Soul auto insurance costs. Compare the following Kia Soul auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
Kia Soul Auto Insurance Loss Probability by Coverage Type
| Coverage | Loss |
|---|---|
| Collision | -11% |
| Property Damage | -2% |
| Comprehensive | -16% |
| Personal Injury | 38% |
| Medical Payment | 38% |
| Bodily Injury | 18% |
These rates highlight the Kia Soul’s performance in various insurance categories. By examining these probabilities, drivers can better anticipate their insurance premiums and make informed decisions.
Kia Soul Finance and Insurance Cost
If you are financing a Kia Soul, most lenders will require you to carry higher coverages, including full coverage insurance that encompasses both comprehensive and collision coverage, to protect their investment.
This means you might face higher insurance premiums compared to someone who owns their Kia Soul outright. Be sure to compare Kia Soul insurance rates from the best companies using our free tool below to find the most competitive rates.
Read More: Is full coverage auto insurance required to lease a car?
Additionally, you can explore various discounts and bundling options to help offset the increased costs associated with the required higher coverage levels.
5 Ways to Save on Kia Soul Insurance
Drivers can end up saving more money on their Kia Soul insurance rates by employing any one of the following strategies.
- Buy a dashcam for your Kia Soul.
- Add a more experienced driver to your Kia Soul policy.
- Consider using a tracking device on your Kia Soul.
- Move to an area with a lower cost of living.
- Ask about student discounts.
Read More: Best Good Student Auto Insurance Discounts
Utilizing these tips can help Kia Soul drivers find more affordable insurance rates. Lowering insurance expenses is achievable with a few practical steps and informed decisions.
These discounts from top insurance providers for Kia Soul offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.
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Top Kia Soul Insurance Companies
Several top auto insurance companies offer competitive rates for the Kia Soul rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Kia Soul drivers organized by market share.
Top 10 Kia Soul Auto Insurance Providers by Market Share
| Rank | Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $65.6 milllion | 9% |
| #2 | Geico | $46.1 milllion | 7% |
| #3 | Progressive | $39.2 milllion | 6% |
| #4 | Liberty Mutual | $35.6 milllion | 5% |
| #5 | Allstate | $35 milllion | 5% |
| #6 | Travelers | $28 milllion | 4% |
| #7 | USAA | $23.4 milllion | 3% |
| #8 | Chubb | $23.3 milllion | 3% |
| #9 | Farmers | $20.6 milllion | 3% |
| #10 | Nationwide | $18.4 milllion | 3% |
Comparing rates from these top insurers can help you find the best coverage for your Kia Soul. Use our tool below to get personalized quotes and save on your cheap Kia insurance.
Compare Free Kia Soul Insurance Quotes Online
Save on your Kia Soul insurance rates by taking advantage of our free comparison tool. This tool allows you to easily compare quotes from multiple top insurers, ensuring you get the best rates for your specific needs.
Simply enter your information to receive personalized quotes and see how different factors like driving history, location, and safety features impact your Kia Soul insurance premiums.
Discover how to get an instant auto insurance quote comparison and find the most affordable and comprehensive coverage options for your Kia Soul. Start comparing now to maximize your savings and secure the best insurance deal.
Get started on comparing full coverage auto insurance rates by entering your ZIP code below.
Frequently Asked Questions
How can I find affordable auto insurance for my Kia Soul?
To find affordable auto insurance for your Kia Soul, it’s recommended to shop around and obtain quotes from multiple insurance providers. Factors such as your driving record, age, location, and the coverage options you choose can affect the cost of insurance. Comparing quotes, considering available discounts, and maintaining a good driving record can help you find more affordable rates.
What is Kia Soul auto insurance?
Kia Soul auto insurance refers to the insurance coverage specifically designed for the Kia Soul compact car model. It provides financial protection in case of accidents, damages, theft, or other incidents involving the Kia Soul.
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Is auto insurance mandatory for a Kia Soul?
Yes, auto insurance is mandatory for all vehicles, including the Kia Soul. The specific insurance requirements may vary depending on your location and local regulations. It’s important to comply with the legal requirements and have the necessary insurance coverage for your Kia Soul.
How do safety features in the Kia Soul impact auto insurance rates?
Safety features in the Kia Soul, such as advanced airbags, anti-lock brakes, and electronic stability control, can positively impact auto insurance rates. Vehicles equipped with these features often qualify for discounts, as they reduce the risk of accidents and injuries, making the car safer for drivers and passengers.
What types of coverage are available for Kia Soul auto insurance?
Kia Soul auto insurance typically offers a range of coverage options. These may include liability coverage (which is often required by law), collision coverage (for damages caused by collisions), comprehensive coverage (for non-collision-related damages like theft or vandalism), uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage.
Are there any discounts available specifically for Kia Soul auto insurance?
While specific discounts can vary among insurance providers, many companies offer discounts that may apply to Kia Soul auto insurance. These could include discounts for safety features installed in the Kia Soul, good driver discounts, multi-policy discounts (if you bundle your auto insurance with other policies), or loyalty discounts. It’s recommended to inquire about available discounts when obtaining insurance quotes.
Does the size or model year of the Kia Soul affect insurance rates?
The size and model year of the Kia Soul can potentially have an impact on insurance rates. Generally, smaller vehicles like compact cars tend to have lower insurance premiums due to factors such as lower repair costs and lower risk of causing significant damage in an accident.
Newer model years may have higher insurance premiums due to the cost of replacement parts. However, the specific details can vary, so it’s best to consult with insurance providers to understand how these factors can impact your rates.
Can I use my Kia Soul auto insurance for business purposes?
The coverage provided by your Kia Soul auto insurance may have limitations when it comes to using the vehicle for business purposes. Personal auto insurance policies generally do not cover commercial use. If you intend to use your Kia Soul for business purposes, such as ridesharing or delivery services, you may need to explore commercial auto insurance options.
It’s important to discuss your specific needs with your insurance provider to ensure you have the appropriate coverage.
What should I do if I need to file an auto insurance claim for my Kia Soul?
If you need to file an auto insurance claim for your Kia Soul, you should contact your insurance provider as soon as possible. They will guide you through the claims process and provide instructions on what information or documentation is required. Be prepared to provide details about the incident, such as the date, time, location, and any necessary supporting evidence, such as photographs or witness statements.
Get fast and cheap auto insurance coverage today with our quote comparison tool below.
What is the average cost of full coverage for a Kia Soul?
The average cost of full coverage for a Kia Soul is approximately $112 per month or $1,338 per year. This includes comprehensive coverage at $326, collision coverage at $476, and liability coverage at $378 annually. Rates may vary based on individual factors and provider options.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
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