Kia Soul Insurance: by Model Year & Company
Kia Soul insurance costs an average of $890 for a 6-month full coverage policy. Progressive offers the cheapest rate for the latest Kia Soul at $127/mo or $760 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Kia Soul:
- The Soul costs less to insure than most wagons. Averaging $148/mo for the Soul versus $178/mo for typical wagons.
- If you're considering a vehicle similar to the Soul, like the Kia Soul EV ($163/mo), Kia Cadenza ($185/mo), or Kia Carnival ($193/mo), your insurance costs will be cheaper.
- USAA ($114/mo), American Family ($115/mo), Progressive ($116/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,520 |
| USAA |
$1,671 |
| Nationwide |
$1,742 |
| American Family |
$1,818 |
| Erie |
$1,825 |
| State Farm |
$1,990 |
| GEICO |
$2,527 |
| Farmers |
$2,860 |
| Allstate |
$3,765 |
Compare all 2025 Kia Soul insurance rates.
Average Cost to Insure Per Year
$2,2722024 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,518 |
| USAA |
$1,644 |
| American Family |
$1,736 |
| Erie |
$1,772 |
| Nationwide |
$1,774 |
| State Farm |
$1,932 |
| GEICO |
$2,244 |
| Farmers |
$2,732 |
| Allstate |
$3,590 |
Compare all 2024 Kia Soul insurance rates.
Average Cost to Insure Per Year
$2,1632023 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,498 |
| USAA |
$1,627 |
| American Family |
$1,682 |
| Erie |
$1,755 |
| GEICO |
$1,805 |
| Nationwide |
$1,869 |
| State Farm |
$1,903 |
| Farmers |
$2,628 |
| Allstate |
$3,287 |
Compare all 2023 Kia Soul insurance rates.
Average Cost to Insure Per Year
$2,0142022 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,549 |
| Erie |
$1,659 |
| American Family |
$1,682 |
| USAA |
$1,686 |
| State Farm |
$1,969 |
| Nationwide |
$2,153 |
| GEICO |
$2,396 |
| Allstate |
$2,731 |
| Farmers |
$2,773 |
Compare all 2022 Kia Soul insurance rates.
Average Cost to Insure Per Year
$2,1382021 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,524 |
| Progressive |
$1,553 |
| USAA |
$1,563 |
| Erie |
$1,585 |
| State Farm |
$1,964 |
| GEICO |
$2,038 |
| Nationwide |
$2,215 |
| Farmers |
$2,405 |
| Allstate |
$3,155 |
Compare all 2021 Kia Soul insurance rates.
Average Cost to Insure Per Year
$2,0782020 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,458 |
| Progressive |
$1,498 |
| Erie |
$1,542 |
| USAA |
$1,551 |
| State Farm |
$1,611 |
| Nationwide |
$1,908 |
| GEICO |
$2,264 |
| Farmers |
$2,388 |
| Allstate |
$2,828 |
Compare all 2020 Kia Soul insurance rates.
Average Cost to Insure Per Year
$1,9932019 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,303 |
| USAA |
$1,386 |
| Progressive |
$1,429 |
| Erie |
$1,617 |
| State Farm |
$1,618 |
| GEICO |
$1,874 |
| Nationwide |
$2,217 |
| Farmers |
$2,376 |
| Allstate |
$2,446 |
Compare all 2019 Kia Soul insurance rates.
Average Cost to Insure Per Year
$1,8542018 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,262 |
| USAA |
$1,397 |
| Progressive |
$1,433 |
| Erie |
$1,590 |
| State Farm |
$1,598 |
| GEICO |
$1,842 |
| Nationwide |
$2,132 |
| Farmers |
$2,301 |
| Allstate |
$2,469 |
Compare all 2018 Kia Soul insurance rates.
Average Cost to Insure Per Year
$1,8322017 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,238 |
| Progressive |
$1,357 |
| USAA |
$1,458 |
| State Farm |
$1,557 |
| Erie |
$1,563 |
| GEICO |
$1,770 |
| Nationwide |
$1,968 |
| Farmers |
$2,198 |
| Allstate |
$2,324 |
Compare all 2017 Kia Soul insurance rates.
Average Cost to Insure Per Year
$1,7592016 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,247 |
| American Family |
$1,268 |
| Progressive |
$1,324 |
| State Farm |
$1,414 |
| Erie |
$1,526 |
| GEICO |
$1,755 |
| Nationwide |
$1,883 |
| Farmers |
$2,129 |
| Allstate |
$2,299 |
Compare all 2016 Kia Soul insurance rates.
Average Cost to Insure Per Year
$1,6882015 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,147 |
| American Family |
$1,236 |
| State Farm |
$1,282 |
| Progressive |
$1,298 |
| Erie |
$1,456 |
| GEICO |
$1,649 |
| Nationwide |
$1,787 |
| Farmers |
$2,058 |
| Allstate |
$2,261 |
Compare all 2015 Kia Soul insurance rates.
Average Cost to Insure Per Year
$1,6062014 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,114 |
| American Family |
$1,171 |
| Progressive |
$1,283 |
| State Farm |
$1,289 |
| Erie |
$1,365 |
| GEICO |
$1,584 |
| Nationwide |
$1,810 |
| Farmers |
$1,959 |
| Allstate |
$2,168 |
Compare all 2014 Kia Soul insurance rates.
Average Cost to Insure Per Year
$1,5652013 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,084 |
| American Family |
$1,182 |
| Progressive |
$1,236 |
| State Farm |
$1,252 |
| Erie |
$1,347 |
| GEICO |
$1,555 |
| Nationwide |
$1,703 |
| Farmers |
$1,874 |
| Allstate |
$2,226 |
Compare all 2013 Kia Soul insurance rates.
Average Cost to Insure Per Year
$1,5332012 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,019 |
| American Family |
$1,113 |
| State Farm |
$1,177 |
| Progressive |
$1,218 |
| Erie |
$1,310 |
| GEICO |
$1,471 |
| Nationwide |
$1,654 |
| Farmers |
$1,814 |
| Allstate |
$2,219 |
Compare all 2012 Kia Soul insurance rates.
Average Cost to Insure Per Year
$1,4802011 Kia Soul
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,006 |
| American Family |
$1,050 |
| State Farm |
$1,227 |
| Progressive |
$1,229 |
| Erie |
$1,268 |
| GEICO |
$1,447 |
| Nationwide |
$1,664 |
| Farmers |
$1,798 |
| Allstate |
$2,272 |