Cheap Kia Soul Car Insurance in 2024 (Unlock Big Savings From These 10 Companies!)

The top picks for cheap Kia Soul car insurance are Progressive, State Farm, and Farmers, known for their affordable and reliable coverage options.

These companies provide comprehensive insurance solutions tailored specifically for Kia Soul owners, ensuring a blend of cost-efficiency and ample protection. Learn more in our complete “Types of Car Insurance Coverage.”

Our Top 10 Company Picks: Cheap Kia Soul Car Insurance

By understanding the various factors that influence insurance rates, such as safety features and driving history, these providers help customers make informed decisions. Explore the benefits and discounts each offers to maximize value and secure the coverage you need.

See if you’re getting the best deal on car insurance by entering your ZIP code top.

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#1 – Progressive: Top Overall Pick

Pros

• Tailored Coverage: Progressive offers highly customizable plans, allowing Kia Soul owners to adjust coverage details to match their specific needs, starting at an industry-leading rate of $47.
• Superior Financial Rating: With an A++ rating from A.M. Best, Progressive demonstrates exceptional financial health and claims-paying ability. Discover insights in our Progressive insurance review & ratings.
• Competitive Pricing: Offers the most affordable monthly rate for Kia Soul insurance, making it an excellent choice for budget-conscious drivers.

Cons

• Complexity in Customization: While customization can be a benefit, it may also complicate the selection process for Kia Soul owners unfamiliar with insurance specifics.
• Variable Customer Service: Progressive’s customer service quality may vary, which could affect the satisfaction of some Kia Soul owners during claims processes.

#2 – State Farm: Best for Customer Service

Pros

• Strong Customer Support: Known for excellent customer service, State Farm is a top choice for Kia Soul owners who value supportive interaction and service.
• Competitive Low-Mileage Discounts: Offers significant discounts for Kia Soul drivers who do not use their car frequently. Unlock details in our State Farm insurance review & ratings.
• Bundling Options: Provides attractive bundling options for those looking to insure a Kia Soul along with other assets, potentially reducing overall insurance costs.

Cons

• Higher Premiums: Despite available discounts, premiums can be relatively higher for some coverage levels for Kia Soul insurance.
• Lower Financial Rating: With a B rating from A.M. Best, State Farm’s financial stability is lower compared to other top insurers.

#3 – Farmers: Best for Multi-Policy Holders

Pros

• Multi-Policy Discounts: Farmers excels in offering substantial discounts for Kia Soul owners who bundle multiple policies. Read up on Farmers insurance review & ratings for more information.
• High Financial Rating: Farmers’ A++ rating from A.M. Best ensures strong financial stability and reliability in claims handling.
• Flexible Coverage Options: Offers a variety of coverage choices that can be tailored to the specific needs of Kia Soul owners.

Cons

• Higher Cost for Lower Deductibles: Kia Soul owners seeking lower deductibles might face significantly higher premiums.
• Limited Reach: Availability of specific discounts and coverages can vary by region, which might affect some Kia Soul owners.

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#4 – Geico: Best for Minimum Coverage

Pros

• Affordable Minimum Coverage: Offers one of the most competitive rates for minimum coverage on Kia Soul, priced at $55 per month.
• Extensive Discount Opportunities: Geico provides a variety of discounts for things like good driving, which can benefit Kia Soul owners.
• Strong Financial Health: With an A+ rating from A.M. Best, Geico is well-positioned to fulfill its policyholder obligations. Discover insights in our guide titled “Do Geico employees get car insurance discounts?“

Cons

• Basic Plans Lack Features: Minimum coverage plans might be lacking in features that are important for Kia Soul owners looking for comprehensive protection.
• Customer Service Variability: Some customers may experience variability in service quality, especially during peak claim times.

#5 – Liberty Mutual: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Liberty Mutual stands out for offering accident forgiveness policies, potentially preventing premium increases for Kia Soul’s first at-fault accident.
• Customized Packages: Allows for significant customization of insurance packages, catering to diverse needs of Kia Soul owners.
• Good Financial Standing: An A rating from A.M. Best ensures reliability in claim processing and financial stability. Discover more about offerings in our Liberty Mutual insurance review & ratings.

Cons

• Higher Premiums: Generally higher premiums, especially for Kia Soul owners opting for lower deductibles or additional features.
• Complex Policy Options: The wide range of options can be overwhelming for some Kia Soul owners who are new to buying car insurance.

#6 – Nationwide: Best for Hybrid Vehicles

Pros

• Optimized for Hybrid Vehicles: Nationwide offers specialized plans that are ideal for hybrid versions of the Kia Soul, potentially offering better rates and coverage specific to hybrid technology.
• Solid Financial Stability: With an A+ rating from A.M. Best, Nationwide ensures reliability and a robust financial foundation for handling claims. Access comprehensive insights in our Nationwide insurance review & ratings.
• Diverse Discount Opportunities: Offers multiple discounts, including for multi-policy bundles, which can reduce the cost of insuring a Kia Soul significantly.

Cons

• Premium Variability: Premiums can vary significantly based on the Kia Soul’s hybrid features and the owner’s driving history.
• Coverage Limitations: Some desired coverage options or benefits may not be available in all areas, potentially limiting choices for some Kia Soul owners.

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#7 – American Family: Best for Safe Drivers

Pros

• Rewards for Safe Driving: American Family offers competitive discounts for Kia Soul drivers with a clean driving record, emphasizing rewards for safe behavior.
• High Financial Rating: With an A++ rating by A.M. Best, American Family is among the top insurers in terms of financial health and claims-paying ability.
• Comprehensive Coverage Options: Provides a wide array of coverage choices that can be customized to meet the specific needs of Kia Soul owners. See more details in our guide titled, “American Family Insurance Review & Ratings.”

Cons

• Higher Rates for Riskier Profiles: Kia Soul owners with less than perfect driving records may face considerably higher premiums.
• Limited Availability: American Family’s services and specific discounts may not be accessible in all regions, potentially affecting availability for some owners.

#8 – Allstate: Best for New Drivers

Pros

• Tailored for New Drivers: Allstate offers specific features and programs that are beneficial for new Kia Soul drivers, such as accident forgiveness and new driver discounts.
• Strong Educational Resources: Provides excellent resources and tools for new Kia Soul owners to understand their coverage and improve their driving habits.
• Robust Financial Health: An A+ rating from A.M. Best ensures Allstate’s capability to manage claims effectively. Learn more in our complete Allstate insurance review & ratings.

Cons

• Costly Premiums for New Drivers: Despite the targeted features, premiums can be relatively high for new Kia Soul drivers compared to other companies.
• Variable Customer Service Experiences: Some customers may encounter inconsistent service levels during claims processing.

#9 – Travelers: Best for Discounts

Pros

• Wide Range of Discounts: Travelers offers an extensive array of discounts, including for multi-car and good student, which can benefit Kia Soul owners looking for value.
• Customizable Coverage Levels: Allows for detailed customization of coverage levels, fitting the unique needs of each Kia Soul owner. Check out insurance savings in our complete Travelers insurance review & ratings.
• Stable Financial Standing: With an A rating from A.M. Best, Travelers is well-equipped to handle obligations toward policyholders.

Cons

• Complex Policy Structures: The wide array of options and discounts can sometimes complicate the selection and management of policies for Kia Soul owners.
• Higher Premiums Without Discounts: Without taking advantage of discounts, the base premiums for Kia Soul can be higher than some competitors.

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#10 – USAA: Best for Military Members

Pros

• Exclusively for Military: USAA provides highly tailored insurance products for members of the military and their families, often at lower rates for Kia Soul insurance.
• Exceptional Customer Service: Known for top-notch customer support, USAA ensures a smooth and supportive experience for Kia Soul owners.
• Highest Financial Rating: With an A++ rating from A.M. Best, USAA demonstrates outstanding financial strength and reliability. See more details in our guide titled, “USAA Insurance Review & Ratings.”

Cons

• Restricted Eligibility: Insurance from USAA is only available to military members, veterans, and their families, limiting access for many Kia Soul owners.
• Limited Physical Presence: USAA primarily operates online, which might be a disadvantage for those who prefer in-person service interactions.

Kia Soul Insurance Cost Comparison

Navigating the cost of insurance for a Kia Soul can vary significantly depending on the level of coverage and the provider. Below, we provide a detailed breakdown of monthly rates for both minimum and full coverage by leading insurance companies.

Kia Soul Car Insurance Monthly Rates by Coverage Level & Provider

The monthly rates for Kia Soul Car Insurance show a notable range between minimum and full coverage car insurance options across various providers. For instance, Progressive offers the most affordable rate at $47 for minimum coverage, increasing to $115 for full coverage.

In contrast, USAA presents the highest rates with $70 for minimum and $155 for full coverage. Other insurers like State Farm and Geico offer competitive rates of $50 and $55 for minimum coverage, respectively, with full coverage rates at $118 and $120.

The table highlights how each company scales their rates from the basic to comprehensive plans, reflecting the broad spectrum of coverage that Kia Soul owners can choose from based on their budget and insurance needs.

Understanding the Factors That Affect Kia Soul Car Insurance Rates

Several factors influence the cost of insurance for your Kia Soul. Insurance providers take into account factors such as the driver’s age, location, driving record, coverage options, and the value of the Kia Soul when determining the insurance premium. Let’s delve into each of these factors in detail to better understand their impact on insurance rates.

1. Driver’s Age: The age of the driver plays a significant role in determining the insurance rates for a Kia Soul. Younger drivers, especially those under the age of 25, are considered to be more inexperienced and therefore pose a higher risk. As a result, insurance premiums for younger drivers tend to be higher compared to older, more experienced drivers.
2. Location: The location where the Kia Soul is primarily driven and parked also affects the insurance rates. Insurance providers consider factors such as the crime rate, population density, and the likelihood of accidents in the area. If the Kia Soul is located in an area with a high crime rate or a high number of accidents, the insurance premium may be higher to account for the increased risk.

Understanding the various factors that influence Kia Soul insurance rates helps policyholders make informed decisions about their coverage. By considering age, location, driving history, and other key variables, drivers can actively manage and potentially reduce their insurance costs. Access comprehensive insights in our review of “How does the insurance company determine my premium?“

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Average Cost of Kia Soul Car Insurance in Different Regions

The location in which you live plays a significant role in determining the cost of insuring your Kia Soul. Insurance rates can vary widely between regions due to factors such as crime rates, population density, accident rates, and local regulations.

Generally, urban areas tend to have higher insurance premiums compared to rural areas. Therefore, it is essential to consider the average cost of insurance in your region when budgeting for your Kia Soul’s coverage. To find out more, explore our guide titled “What states require car insurance?“

When it comes to insuring your Kia Soul, it’s not just the region that can impact your insurance rates. Your driving record and personal factors such as age, gender, and marital status can also influence the cost of your insurance. For example, if you have a history of accidents or traffic violations, you may be considered a higher risk and could face higher premiums.

In addition to these factors, the type of coverage you choose for your Kia Soul can also affect your insurance costs. Comprehensive coverage, which provides protection against theft, vandalism, and other non-collision incidents, typically comes with a higher premium compared to basic liability coverage. It’s important to carefully consider your coverage needs and budget when selecting your insurance options.

Comparing the Cost of Insuring a Kia Soul With Other Similar Vehicles

When assessing the cost of insuring a Kia Soul, it is helpful to compare it with similar vehicles in its class. Insurance providers consider the make, model, and year of the vehicle when determining the insurance premium. As such, comparing the cost of insuring a Kia Soul with other vehicles in its segment can provide valuable insights into the relative affordability of coverage for this particular car.

One important factor to consider when comparing the cost of insuring a Kia Soul with other similar vehicles is the safety features that are included in each car. Insurance providers often take into account the safety ratings and features of a vehicle when determining the insurance premium.

The Kia Soul is known for its strong safety record and comes equipped with a variety of safety features such as advanced airbags, stability control, and a rearview camera. These features may contribute to lower insurance premiums compared to other vehicles in its class that may not have the same level of safety features.

Another factor to consider when comparing insurance costs is the average repair and replacement costs for the Kia Soul and other similar vehicles. Insurance providers take into account the potential costs of repairing or replacing a vehicle when determining the insurance premium.

The Kia Soul has a reputation for being reliable and having affordable maintenance and repair costs. This may result in lower insurance premiums compared to other vehicles in its segment that may have higher repair and replacement costs. Unlock details in our guide titled “The Real Costs Associated With Buying a New Car.”

How Your Driving Record Influences the Cost of Kia Soul Car Insurance

Another crucial factor that insurance providers take into consideration is the driver’s record. A clean driving record with no accidents or traffic violations typically leads to lower insurance premiums.

On the other hand, a history of accidents, traffic tickets, or other driving-related offenses can result in higher insurance rates. Therefore, maintaining a good driving record is not only essential for your safety but also for reducing the cost of insuring your Kia Soul.

Insurance providers often use a point system to assess the risk associated with a driver’s record. Each traffic violation or accident may result in a certain number of points being added to the driver’s record. Read more details in our “Best Safe Driver Car Insurance Discounts.”

The more points a driver accumulates, the higher the insurance rates are likely to be. It is important to note that insurance companies may have different criteria for assigning points, so it is essential to check with your specific provider to understand how your driving record affects your Kia Soul car insurance.

In some cases, insurance providers may offer discounts or incentives for drivers with a clean driving record. These discounts can help offset the cost of insuring your Kia Soul.

Additionally, some insurance companies may offer programs or courses that allow drivers to improve their driving skills and potentially reduce their insurance rates. Taking advantage of these opportunities can not only save you money but also make you a safer and more responsible driver.

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The Impact of Age and Experience on Kia Soul Car Insurance Premiums

Age and experience are additional factors that significantly impact insurance rates for a Kia Soul. Generally, younger and less experienced drivers tend to have higher insurance premiums compared to older, more experienced drivers.

Insurance providers perceive younger and less experienced drivers as being more prone to accidents due to their limited experience behind the wheel. As a result, they typically charge higher premiums to offset the perceived increased risk. Delve into our evaluation of “What are some ways to lower my car insurance premiums?”

On the other hand, older and more experienced drivers are often rewarded with lower insurance premiums. Insurance providers view these drivers as having a higher level of skill and knowledge on the road, which reduces the likelihood of accidents. As a result, they are considered less risky to insure and are offered lower premiums as a result.

It’s important to note that age and experience are not the only factors that insurance providers consider when determining premiums for a Kia Soul. Other factors such as driving record, location, and the type of coverage desired also play a role in determining insurance rates. Therefore, it’s essential for drivers to consider all these factors when shopping for car insurance to ensure they get the best coverage at the most affordable price.

Exploring Different Types of Coverage Options for Your Kia Soul

When it comes to Kia Soul car insurance, there are several coverage options to consider. These options include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection.

Each type of coverage offers different levels of protection and comes at a varying cost. It is important to assess your needs and budget to determine the right coverage options for your Kia Soul.

Tips for Getting the Best Deals on Kia Soul Car Insurance

While car insurance is a necessary expense, there are ways to potentially reduce the cost of insuring your Kia Soul. Here are some tips for getting the best deals on Kia Soul car insurance:

• Shop around and compare quotes from multiple insurance providers to find the most competitive rates
• Consider bundling your Kia Soul insurance with other policies, such as home or renters insurance, for potential discounts
• Take advantage of available discounts, such as safe driver discounts, multi-vehicle discounts, or loyalty discounts
• Consider increasing your deductible to lower your premium, but ensure you can comfortably afford the deductible amount
• Check for any special programs or incentives offered by insurance providers specifically for Kia Soul owners

To secure the best possible deals on Kia Soul car insurance, it’s crucial to actively compare rates from various insurers and explore bundling options with other policies. Additionally, leveraging discounts and adjusting your deductible appropriately can lead to substantial savings while ensuring you maintain adequate coverage for your vehicle.

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The Importance of Shopping Around for Kia Soul Car Insurance Quotes

As mentioned earlier, it is crucial to shop around and obtain multiple quotes when looking for Kia Soul car insurance. Insurance rates can vary significantly between providers, and by comparing quotes, you can find the best coverage at the most competitive price. Don’t settle for the first quote you receive; take the time to explore your options and consider the coverage, deductibles, and discounts offered by different insurance providers.

Access comprehensive insights into our guide titled “How To Get Free Insurance Quotes Online.”

How Your Credit Score Can Affect the Cost of Insuring a Kia Soul

Although not directly related to your driving ability, insurance providers often use your credit score as one of the factors in determining your insurance premium. Access comprehensive insights into our guide titled “Defensive Driving Courses Can Lower Your Car Insurance Rates.”

Studies have shown a correlation between credit history and insurance risk. Individuals with better credit scores tend to have lower insurance premiums, while those with poor credit scores may be charged higher rates. Therefore, maintaining a good credit score can positively impact the cost of insuring your Kia Soul.

Understanding Deductibles and How They Impact Kia Soul Car Insurance Rates

A deductible is the amount you are responsible for paying out of pocket before your insurance coverage kicks in. Higher deductibles typically result in lower insurance premiums, as the higher deductible reduces the insurer’s potential risk.

However, it is important to carefully consider your financial situation and budget when choosing a deductible amount. While a higher deductible can lead to savings on your premium, it should be an amount you can comfortably afford to pay in the event of a claim. Learn more by reading our guide titled “What is the difference between a deductible and a premium in car insurance?”

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Factors to Consider When Choosing the Right Level of Coverage for Your Kia Soul

When selecting the level of coverage for your Kia Soul, it is essential to consider your specific needs and circumstances. Factors to consider include your budget, the value of your Kia Soul, local regulations, your driving habits, and any additional assets you may want to protect.

It may be beneficial to consult with an insurance agent who can provide guidance and help you determine the appropriate coverage level for your Kia Soul. Discover insights in our guide titled “What is Affordable coverage?”

The Role of Safety Features in Reducing the Cost of Kia Soul Car Insurance

Kia Soul vehicles come equipped with various safety features designed to protect both the driver and passengers. These safety features can include advanced driver assistance systems, anti-lock brakes, airbags, traction control, and more. See more details in our guide titled “Safety Features Car Insurance Discount.”

Insurance providers often offer discounts for vehicles equipped with such safety features as they are deemed to reduce the risk of accidents and injuries. Therefore, when obtaining insurance quotes, it is crucial to highlight and inquire about any safety features present in your Kia Soul.

Exploring Discounts and Incentives Available for Insuring a Kia Soul

Insurance providers often offer various discounts and incentives specific to certain makes and models of vehicles. Kia Soul owners should inquire about any available discounts for insuring their specific model. Discover insights in our guide titled “Lesser Known Car Insurance Discounts.”

Safe driver discounts, low mileage discounts, or discounts for completing defensive driving courses are examples of incentives that may be available. By exploring these potential discounts, Kia Soul owners can further reduce the cost of their car insurance.

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How Modifications and Customizations Can Affect the Cost of Insuring a Kia Soul

It is not uncommon for car owners to modify or customize their vehicles to reflect their personal style and preferences. However, it is important to be aware that modifications and customizations can impact the cost of insuring your Kia Soul. Delve into our evaluation of “Can I change my car insurance coverage at any time?”

Insurance providers often consider any changes made to the vehicle beyond the manufacturer’s specifications as an increased risk. Therefore, it is crucial to inform your insurance provider of any modifications you have made to your Kia Soul to ensure you have adequate coverage.

As you can see, multiple factors contribute to the cost of Kia Soul car insurance. By understanding these factors and considering them carefully, you can make informed decisions when it comes to insuring your vehicle.

Remember to compare quotes, assess your coverage needs, and take advantage of any available discounts or incentives to ensure you are getting the best deals. By doing so, you can enjoy the peace of mind that comes with protecting your Kia Soul while also managing your budget effectively.

Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.

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