Cheap Kia Soul EV Car Insurance in 2025 (10 Most Affordable Companies)

Secure cheap Kia Soul EV car insurance for $45 per month with top companies like Liberty Mutual, Farmers, and Progressive. If you’re considering purchasing a Kia Soul EV, it’s important to factor in the cost of car insurance.

Car insurance is not only a requirement in most states, but it also provides financial protection in the event of an accident or other unforeseen circumstances.

Our Top 10 Company Picks: Cheap Kia Soul EV Car Insurance

In this article, we will explore the various factors that can affect the cost of car insurance for Kia Soul EV and provide you with valuable tips for finding affordable coverage. Ready to find cheaper car insurance coverage? Enter your ZIP code above to begin.

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#1 – Liberty Mutual: Top Overall Pick

Pros

• Comprehensive Coverage Options: As mentioned in our Liberty Mutual review and rating, Liberty Mutual offers a wide range of coverage options, including liability, comprehensive, and collision insurance, allowing policyholders to customize their policies to suit their specific needs.
• Discount Opportunities: Policyholders can take advantage of various discounts, such as multi-policy, safe driver, and good student discounts, which can significantly reduce premiums.
• Accident Forgiveness: Liberty Mutual’s accident forgiveness program ensures that your rates won’t increase after your first accident, providing peace of mind and financial stability.

Cons

• Higher Premiums for High-Risk Drivers: Liberty Mutual tends to charge higher premiums for drivers with a history of accidents or traffic violations, making it less affordable for high-risk drivers.
• Mixed Customer Service Reviews: Some customers have reported inconsistent customer service experiences, with issues related to claims processing and responsiveness.

#2 – Farmers: Best for Multi-Policy Holders

Pros

• Extensive Coverage Options: Farmers offers a broad range of insurance products, including auto, home, life, and business insurance, allowing for comprehensive coverage under one provider.
• Strong Financial Stability: As outlined in our Farmers insurance review & ratings, Farmers has a strong financial rating, which means they are reliable in paying out claims and maintaining their obligations.
• Customizable Policies: With options like new car replacement and accident forgiveness, Farmers provides flexible policy options that can be tailored to individual needs.

Cons

• Above-Average Premiums: Farmers tends to have higher-than-average premiums compared to other major insurance providers, which may not be ideal for budget-conscious consumers.
• Limited Availability: Farmers insurance products are not available in all states, limiting access for potential customers in certain regions.

#3 – Progressive: Best for Customizable Plans

Pros

• Competitive Pricing: Progressive is known for its competitive pricing and extensive discounts, making it an attractive option for those looking to save on their insurance premiums.
• Innovative Tools: The Snapshot program rewards safe driving habits with potential discounts, and their online tools make comparing rates and managing policies easy. Explore our Progressive car insurance review & ratings for more details.
• Comprehensive Online Resources: Progressive offers a user-friendly website and mobile app that provide policyholders with easy access to quotes, claims, and policy management.

Cons

• Mixed Claims Satisfaction: Some customers have reported dissatisfaction with the claims process, citing delays and less-than-expected settlements.
• Potential Rate Increases: Progressive has been known to increase rates after the initial policy term, which can be a surprise for policyholders expecting consistent premiums.

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#4 – State Farm: Best for Customer Service

Pros

• Strong Customer Service: State Farm is widely recognized for its excellent customer service, providing policyholders with responsive and helpful support. See more details on our State Farm car insurance review & ratings.
• Local Agents: With a large network of local agents, State Farm offers personalized service and advice, helping customers choose the right coverage.
• Comprehensive Coverage Options: State Farm offers a variety of insurance products, including auto, home, life, and health insurance, enabling customers to bundle policies for discounts.

Cons

• Higher Premiums: State Farm’s premiums tend to be higher compared to other insurance providers, which may not be suitable for price-sensitive customers.
• Limited Online Tools: While State Farm offers a good online experience, their digital tools are not as advanced as some competitors, potentially making online management less convenient.

#5 – Travelers: Best for Discounts

Pros

• Flexible Coverage Options: Travelers provides a wide range of coverage options and add-ons, allowing policyholders to tailor their insurance plans to meet specific needs.
• Strong Financial Ratings: With strong financial stability, Travelers is a reliable choice for those concerned about an insurer’s ability to pay claims.
• Discount Opportunities: Travelers insurance review & ratings highlights the various discounts, including multi-policy, safe driver, and new car discounts, which can help reduce insurance costs.

Cons

• Average Customer Service: While Travelers has a decent reputation, some customers have reported average to below-average experiences with customer service and claims handling.
• Higher Rates for High-Risk Drivers: Travelers tends to charge higher premiums for drivers with poor driving records, making it less competitive for high-risk individuals.

#6 – Geico: Best for Minimum Coverage

Pros

• Competitive Rates: Geico is well-known for offering some of the most competitive rates in the industry, making it a popular choice for budget-conscious consumers.
• User-Friendly Technology: Geico provides an excellent online platform and mobile app for easy policy management, claims filing, and customer service interactions.
• Discount Variety: As outlined in Geico car insurance discounts, Geico offers numerous discounts, including for military members, federal employees, good students, and multi-vehicle policies, helping to lower overall costs.

Cons

• Limited Agent Interaction: Geico primarily operates online and over the phone, which may not appeal to customers who prefer face-to-face interactions with agents.
• Mixed Claims Experience: Some customers have reported mixed experiences with Geico’s claims process, including issues with claim amounts and resolution times.

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#7 – Safeco: Best for Bundling Policies

Pros

• Comprehensive Coverage Options: Safeco offers a wide range of coverage options and endorsements, including accident forgiveness and diminishing deductibles.
• Financial Stability: As a subsidiary of Liberty Mutual, Safeco has strong financial backing, ensuring reliability in paying claims.
• Bundling Discounts: As mentioned in our Safeco insurance review & ratings, Safeco provides significant discounts for bundling multiple policies, such as home and auto insurance, which can lead to substantial savings.

Cons

• Average Customer Service: Some policyholders have reported average customer service experiences, with occasional issues in claims handling and responsiveness.
• Higher Premiums: Safeco’s premiums can be higher compared to other insurers, particularly for high-risk drivers or those seeking extensive coverage options.

#8 – The Hartford: Best for AARP Members

Pros

• AARP Endorsed: The Hartford is endorsed by AARP, providing special benefits and discounts for AARP members, making it an attractive option for older adults.
• Excellent Customer Service: As mentioned in The Hartford insurance review & ratings, The Hartford is known for its high-quality customer service and claims handling, ensuring a smooth experience for policyholders.
• Comprehensive Coverage: Offering a wide range of insurance products, The Hartford allows customers to bundle policies for additional savings and convenience.

Cons

• Limited Availability: The Hartford’s insurance products are not available in all states, which can limit access for some potential customers.
• Higher Premiums for Younger Drivers: The Hartford tends to have higher premiums for younger drivers, making it less competitive for this demographic.

#9 – Auto-Owners: Best for Claim Service

Pros

• Strong Customer Satisfaction: Auto-Owners consistently receives high marks for customer satisfaction, particularly in the areas of claims handling and customer service.
• Diverse Coverage Options: Auto-Owners offers a variety of coverage options, including life, home, and business insurance, allowing for comprehensive protection.
• Financial Strength: With strong financial ratings, Auto-Owners is a reliable insurer capable of meeting its obligations and paying claims. Delve into our evaluation of Auto-Owners insurance review & ratings.

Cons

• Limited Online Tools: Auto-Owners lacks advanced online tools and a robust mobile app, which can make policy management less convenient for tech-savvy customers.
• Regional Availability: Auto-Owners is not available in all states, which may restrict access for some customers looking for their coverage options.

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#10 – USAA: Best for Military Members

Pros

• Exceptional Customer Service: USAA is renowned for its outstanding customer service, consistently receiving high marks in customer satisfaction surveys.
• Competitive Rates: As outlined in USAA insurance review & ratings, USAA offers highly competitive rates, particularly for military members and their families, providing excellent value for money.
• Comprehensive Coverage: USAA offers a wide range of insurance products, including auto, home, and life insurance, allowing for comprehensive protection under one provider.

Cons

• Membership Restrictions: USAA is only available to military members, veterans, and their families, limiting access for the general public.
• Limited Physical Locations: USAA primarily operates online and over the phone, with few physical branches, which may not suit customers who prefer in-person interactions.

Factors That Affect the Cost of Kia Soul EV Car Insurance

Several factors come into play when calculating the cost of car insurance for a Kia Soul EV. Insurance providers take into account the driver’s age, gender, and driving history. Younger drivers or those with a history of accidents or traffic violations may face higher premiums.

Additionally, factors such as the make and model of the vehicle, its safety features, and the driver’s location can also impact insurance costs. To get an accurate quote, it’s best to provide all necessary information to insurance providers. Another factor that can affect the cost of car insurance for a Kia Soul EV is the driver’s credit score. Insurance providers may consider a driver’s credit history as an indicator of their financial responsibility.

The driver’s annual mileage can also impact the cost of car insurance for a Kia Soul EV. Insurance providers may offer lower premiums to drivers who have a lower annual mileage, as they are considered to be at a lower risk of being involved in accidents. On the other hand, drivers with a higher annual mileage may face higher insurance costs.

Understanding the Insurance Premiums for Kia Soul EV

Insurance premiums for a Kia Soul EV can vary depending on several factors. Generally, electric vehicles like the Soul EV have higher premiums due to their higher market value and the cost to repair or replace their specialized components.

Read More: How does the insurance company determine my premium?

However, the cost of insurance can also be influenced by safety features that come standard with the vehicle, such as forward collision warning and lane-keep assist. It’s essential to have a clear understanding of the factors that contribute to insurance premiums to make an informed decision.

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Finding Affordable Car Insurance for a Kia Soul EV

Finding affordable car insurance for your Kia Soul EV may seem like a daunting task, but there are several strategies you can employ to lower your premiums. Start by comparing quotes from different insurance providers to ensure you’re getting the best deal.

Read More: Cheapest Car Insurance Companies

Take advantage of any discounts you may be eligible for, such as multi-vehicle or safe driver discounts. Additionally, consider raising your deductibles or bundling your auto insurance with other policies to potentially save money.

Comparing Car Insurance Quotes for Kia Soul EV

Comparing car insurance quotes is crucial when it comes to finding the best coverage for your Kia Soul EV. Prices can vary significantly between different insurance providers, so taking the time to compare quotes ensures that you’re getting the most competitive rate.

The table below compares monthly rates for minimum and full coverage car insurance for a Kia Soul EV from various providers.

Kia Soul EV Car Insurance Monthly Rates by Coverage Level & Provider

Be sure to consider not only the premium amount but also the coverage limits and deductibles offered by each provider. Comparing quotes allows you to make an informed decision and find the right insurance policy for your specific needs.

Exploring Different Coverage Options for Kia Soul EV Car Insurance

When it comes to car insurance for your Kia Soul EV, there are several coverage options to consider. The most basic coverage is liability insurance, which covers damage to other people’s property or injuries in an accident where you are at fault.

However, it’s also important to consider comprehensive and collision coverage, which can provide additional protection for your vehicle. Comprehensive coverage protects against non-accident-related incidents such as theft or vandalism, while collision coverage covers damages resulting from a collision. Assess your needs and budget to determine the coverage options that make sense for you.

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Discounts Available for Kia Soul EV Car Insurance

Insurance providers often offer various discounts to help reduce the cost of car insurance for Kia Soul EV owners. Common discounts include safe driver discounts, good student discounts for young drivers with good grades, and discounts for completing a driver’s education course.

These discounts below can significantly impact rates by offering savings based on factors helping to lower monthly premiums

Read More: Best Car Insurance Discounts

Additionally, some insurance companies offer discounts for having certain safety features or anti-theft devices installed in your vehicle. These discounts can add up and make a significant difference in the overall cost of your car insurance, so be sure to inquire about any discounts you may be eligible for.

How to Lower Your Premium on Kia Soul EV Car Insurance

If you’re looking to lower your premium for Kia Soul EV car insurance, there are several steps you can take. Maintaining a clean driving record and avoiding car accidents and traffic violations can help you qualify for lower rates.

Additionally, opting for a higher deductible can reduce your premium, as you’ll be responsible for a larger portion of any damages before insurance coverage kicks in. Bundling your car insurance with other policies, such as homeowner’s insurance, can also result in a lower premium. Furthermore, maintaining a good credit score can also help you secure better rates on car insurance.

Top Insurance Providers Offering Coverage for Kia Soul EV

When it comes to choosing an insurance provider for your Kia Soul EV, several reputable companies offer coverage tailored to electric vehicles. Some top insurance providers in this segment include Progressive, Geico, State Farm, and Allstate.

It’s recommended to research and compare car insurance quotes from multiple providers to compare coverage options and rates. Be sure to consider factors like customer service, claims handling, and any additional benefits or discounts offered by each provider.

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Choosing the Right Insurance Policy for Your Kia Soul EV

Choosing the right insurance policy for your Kia Soul EV can be a daunting task. To make an informed decision, consider factors such as coverage limits, deductibles, and add-on coverage options. Evaluate your driving habits, lifestyle, and budget to determine the level of coverage you need.

Read More: What is Deductible?

It’s also important to review the policy’s fine print, including any exclusions or limitations. Consider consulting with an insurance agent to help you navigate the options and choose the policy that best suits your specific needs.

Location’s Impact on Kia Soul EV Insurance

Your location plays a significant role in determining the cost of car insurance for your Kia Soul EV. Insurance providers consider factors like local traffic patterns, accident rates, and the prevalence of auto theft when calculating insurance premiums.

Read More: The Most and Least Car-Dependent States

Urban areas with higher population densities and more congested traffic tend to have higher insurance rates compared to rural areas. Additionally, certain states have higher minimum coverage requirements, which can also affect insurance costs. Keep in mind that the actual location within a state can also impact rates, as some neighborhoods may have higher crime rates or accident frequencies.

Comparing Kia Soul EV Insurance Costs With Other Electric Vehicle

When comparing the cost of insuring a Kia Soul EV with other electric vehicles, several factors come into play. The make and model of the vehicle, as well as its safety features and market value, can impact insurance costs.

Read More: Best Car Insurance by Vehicle

Additionally, each insurance provider may have its own proprietary algorithms for calculating premiums. It’s essential to obtain quotes specifically for the Kia Soul EV and compare them with quotes for other electric vehicles to get a true comparison. Remember that rates can vary based on the providers’ assessment of risk for each specific vehicle.

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The Claims Process for Kia Soul EV Car Insurance

In the unfortunate event of an accident or loss, understanding the claims process is crucial when it comes to Kia Soul EV car insurance. Each insurance provider may have its own specific process, but generally, you’ll need to report the incident to your insurance company as soon as possible.

Read More: How do I appeal an car insurance claim with Liberty Mutual?

Provide any necessary documentation, such as photos of the damage or a police report, to support your claim. An adjuster will evaluate the damages and determine the coverage and payout amount. It’s important to communicate openly and honestly with your insurance company throughout the claims process to expedite the resolution.

Benefits of Comprehensive Coverage for Kia Soul EV

Comprehensive coverage is an essential consideration when insuring your Kia Soul EV. This coverage protects your vehicle against damage or loss resulting from situations other than accidents. It covers incidents such as theft, vandalism, fire, or natural disasters.

An easy way to save money? Customize with Liberty Mutual. Plus, 13 other tips for lowering your car insurance. https://t.co/Fi4LjmDXye pic.twitter.com/W8CifJuAVP

— Liberty Mutual (@LibertyMutual) July 19, 2023

Read More: Best Car Insurance for Comprehensive Coverage

Since electric vehicles like the Kia Soul EV have specialized components that can be expensive to repair or replace, having comprehensive coverage can provide peace of mind. It’s important to carefully review the terms and conditions of your policy to understand what is covered and any exclusions that may apply.

Driving Record’s Impact on Kia Soul EV Insurance Cost

Your driving record is a significant factor in determining the cost of insuring a Kia Soul EV. Insurance providers consider your past driving history, including any accidents, traffic violations, or claims made.

Read More: Best Safe Driver Car Insurance Discounts

Generally, an individual with a clean driving record will receive lower insurance premiums compared to someone with a history of accidents or violations. To keep insurance costs down, it’s important to maintain a safe driving record and practice defensive driving techniques.

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Gap Insurance for Financed or Leased Kia Soul EV

If you are financing or leasing your Kia Soul EV, it’s important to consider gap insurance. Gap insurance covers the difference between the market value of your vehicle and the amount you owe on your loan or lease in the event your vehicle is totaled or stolen.

Read More: Best Gap Car Insurance

This coverage can help prevent a financial burden if you owe more on your vehicle than it’s worth. Gap insurance is typically offered by the finance or leasing company but can also be purchased through your insurance provider. Be sure to check the terms of your loan or lease agreement to determine if gap insurance is required or recommended.

Maintaining Good Credit Score for Better Kia Soul EV Insurance Rates

Your credit score can have an impact on the cost of your Kia Soul EV car insurance. Insurance providers often use credit-based insurance scores to assess the risk of insuring an individual. To maintain a good credit score, pay your bills on time, keep your credit card balances low, and avoid opening unnecessary credit accounts.

Read More: Understanding Credit: A Score that Impacts Everything from Your Cell Phone Bill to Car Insurance

Regularly monitoring your credit report for any inaccuracies and correcting them promptly can also help maintain a healthy credit score. A good credit score can help you secure better rates on car insurance, so it’s worth taking the necessary steps to maintain a good credit standing.

Safety Features’ Impact on Kia Soul EV Insurance

Kia Soul EV’s safety features can have an impact on the cost of insurance. The vehicle’s enhanced safety features, such as advanced driver-assistance systems and collision avoidance technologies, can help reduce the risk of accidents and injuries.

Read More: Best Safety Features Car Insurance Discounts

As a result, insurance providers may offer lower premiums for vehicles equipped with these safety features. Before purchasing a Kia Soul EV, be sure to inquire about any discounts or benefits associated with its safety features. Installing additional safety devices or anti-theft systems may also help lower insurance costs.

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Coverage Limits Considerations for Your Kia Soul EV

Determining the appropriate coverage limits for your Kia Soul EV requires careful consideration of several factors. While it may be tempting to opt for the minimum coverage required by your state, this may not provide adequate protection in the event of a significant accident or loss.

Consider factors such as your financial situation, the value of your vehicle, and your risk tolerance.

Read More: What does car insurance cover?

Higher coverage limits can offer greater protection but may result in higher premiums. It’s important to strike a balance between adequate coverage and affordability to ensure you’re adequately protected in various scenarios.

Handling Kia Soul EV Insurance Claims Effectively

In the event of an accident or claim with your Kia Soul EV car insurer, it’s important to follow the proper steps to ensure a smooth process. Start by reporting the incident promptly to your insurance company and provide all necessary documentation, including photos, witness statements, and a police report, if applicable.

Read More: Your Insurance Agent’s Role in the Claims Process

Be cooperative and responsive throughout the claims process, providing any requested information to facilitate the investigation and resolution of your claim. It’s also important to keep detailed records of all communication with your insurance company, including claim numbers, names of representatives, and dates and times of conversations, to ensure accurate and efficient handling of your claim.

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