How to Save Money on Your Kia Soul Car Insurance
How to Save Money on Your Kia Soul Car Insurance

If you're in the market for a new vehicle, consider the Kia Soul. This small SUV is affordable to insure and has a good safety record.

Car insurance rates are influenced by many factors, including your driving record and location. To find the best prices, compare quotes from multiple companies.

Safety Ratings

If you're looking for a new car, it's always important to check its safety rating before buying. The Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration conduct tests that help determine the crash safety of a vehicle. The more stars it receives, the safer the vehicle is in a collision.

Fortunately, Kia Soul cars are well-equipped to keep you safe on the road. Each model is equipped with a variety of driver-assistance technologies, which can help you maintain control and avoid collisions while driving in Mascoutah or anywhere else in the area.

For example, the Kia Soul LX comes with an available Driver Attention Warning system that will alert you if you're getting tired on the road. The technology can also warn you when you're about to swerve or otherwise drive erratically.

This type of alert can be particularly helpful if you're a new driver, as it can prevent a potential accident that could result in injury or even death. The 2022 Kia Soul is also designed to keep you safe while parking, thanks to its available Rear Cross-Traffic Collision Avoidance Assist feature.

In fact, this type of assistance is just one of the many features you'll find in the 2022 Soul that makes it a safe choice for any driver. Other advanced safety tech included in the Kia Soul includes Electronic Stability Control and Traction Control, both of which are paired with Automatic Emergency Braking to help you avoid a crash.

Overall, the 2022 Kia Soul has received a four-star safety rating from the NHTSA. The frontal crash and rollover ratings are both four stars, as is the side crash rating.

The Kia Soul S is rated three stars by the NHTSA, while the Kia Soul EX and GT-Line Turbo are both rated five stars by the NHTSA. The Kia Soul S is a great option for students or medical professionals who need a car with a high safety rating, as it comes equipped with a variety of standard safety features, including automatic emergency braking and lane-keeping assist.

Insurance Requirements

The Kia Soul is a popular four-door wagon that's easy to insure. The vehicle is inexpensive to repair and relatively low in value, which helps bring down insurance rates.

The car is available in six trim levels, with all except the base model equipped with touchscreen infotainment and Apple CarPlay and Android Auto capabilities. The Soul also offers a good range of standard safety features, including front crash prevention, active cruise control, and LED projector headlights.

It's important to note that the specific model year of your Soul will affect your insurance rate, so it pays to know which year is the cheapest to insure. You can find out by comparing Kia Soul insurance quotes from different insurers.

In addition to model year, insurance companies also look at a number of other factors when determining car insurance rates. Some of the most important factors include age, location, driver profile and vehicle history.

You should also consider the type of coverage you're getting and what discounts you may be eligible for. Often, insurers will offer discounts for things like a good driving record or a multi-policy discount.

Another factor that can impact your car insurance is how much you're willing to spend out-of-pocket for deductibles. If you can afford a higher deductible, that can help reduce your premiums.

However, if you have a poor driving record or are a teen driver, you're more likely to be considered a risky driver and could end up paying more for car insurance than an adult who isn't a teen.

Buying a Kia Soul with a high deductible can be expensive, so it's important to shop around. You can get multiple quotes online or by calling local insurance agents.

It's important to remember that a large portion of your Kia Soul insurance cost is determined by where you live, so it's best to compare rates in your area. It's also a good idea to look at small regional insurers, which often have lower rates than their national competitors.

Kia Soul drivers should pay about $1,784 per year for comprehensive and liability insurance, which is above the national average for a similar four-door station wagon model. This is based on a 40-year-old good driver with full coverage and good credit who drives around 13,000 miles a year.

Coverage Options

If you’re thinking about purchasing a new Kia Soul car, you may be wondering how much it will cost to insure it. Depending on your driving record and other factors, rates can vary considerably. However, there are a few things you can do to save money on your Kia Soul insurance policy.

The best way to reduce the amount of money you’ll spend on Kia Soul car insurance is to shop around. You can do this by getting quotes from multiple companies. This will allow you to compare prices, coverage options and other features.

Choosing a top-rated insurer near you will help you to lower your insurance premiums and get the best coverage for your Kia Soul. You’ll also need to make sure that the company offers excellent customer service.

You can also save on Kia Soul car insurance by purchasing a higher deductible. This will save you a lot of money in the long run, as you won’t have to pay more out-of-pocket for damages.

Another way to reduce the cost of Kia Soul insurance is by taking advantage of discounts. These include good/safe driver, multi-policy, homeowner (bundling), and student.

These discounts are offered by most insurance companies and can be very helpful in lowering the cost of your Kia Soul insurance. For instance, a good student discount will typically save you up to 20% on your insurance costs.

Finally, a multi-policy discount can help you to save up to 40% on your Kia Soul insurance. This is because most insurers offer discounts for purchasing more than one insurance policy from them.

If you own an older Kia Soul, it’s worth checking with your agent to see if there are any discounts available for you. This is because older vehicles have less value, which means that you’ll need to pay less for comprehensive and collision insurance.

The Kia Soul is a popular car that was named a 2020 Top Safety Pick by the Insurance Institute for Highway Safety (IIHS). This makes it an attractive choice for many drivers, as it has strong safety ratings and is cheap to insure.


Insurance rates can vary widely, depending on your state of residence and the model of Kia Soul you drive. However, there are a number of ways you can reduce your premiums and keep your costs low.

One way to save money on your Kia Soul car insurance is by taking advantage of discounts offered by the insurers themselves. Discounts include good driver, multi-policy, claims-free, and other types of incentives that can make it easier for you to save money on your monthly bill.

You can also use your insurance provider’s online tools to find the best discounts for you. Most companies have websites where you can enter your driving history and information about your Kia Soul, and they will send you a list of discounts that are available to you.

Another great way to save money on your Kia Soul insurance is by taking advantage of optional safety features that are standard with the vehicle. These features can help you reduce your premiums by up to 10% or more.

Many drivers don’t realize that accidents and tickets can increase their insurance costs significantly. This is because insurance providers believe that a person who has been in an accident or ticketed for driving infractions has a higher risk of getting into a crash than someone who hasn’t.

The best way to save on your Kia Soul insurance is to be a safe driver and never get into an accident. This will not only save you time and money in the long run, but it will also help you maintain your good driving record and avoid expensive tickets.

Finally, you can also save money on your Soul insurance by choosing to drop the optional physical damage coverages that are included with your policy. This can save you up to $468 per year, depending on the deductible level and your age.

Insurance rates for the Kia Soul can be quite high, and it’s important to understand how to lower them. The best way to do this is by being a safe driver and using the discounts that are available to you.