Kia Soul insurance group
Compare car insurance costs for your Kia Soul based on your age and location.
The Kia Soul is a subcompact crossover SUV available with a petrol, diesel and electric engine. Although it wasn’t too popular in the UK, it’s still available to buy. The Kia Soul is a reliable vehicle, known for a spacious interior and great handling. It’s affordable to buy and own compared to competing vehicles, including insurance costs. In this guide, you’ll find out how much it costs to insure based on the age and location of the driver.
What insurance group does the Kia Soul fall under?
All vehicles are given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive), which helps determine the cost of your premium. Kia Soul models range from insurance group 9 to 21, meaning you can expect to pay less to insure this car, compared to the average vehicle. As an example, a 30-year-old driver in an average postcode could pay around £711 for cover on a Kia Soul 1.6 GDi Start 5d that is in insurance group 9 or around £822 for a Kia Soul Sport 1.6 T-GDi 201bhp DCT auto 5d that is in insurance group 21. This shows the impact on premium pricing when one car is in a much higher insurance group.
Kia Soul insurance cost by location
There are plenty of other factors that affect the cost of your car insurance premium, one of the biggest being your location.
To show the impact of your home address, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Kia Soul GT Line 1.5 BlueHDi 130 S&S 5d.
- Expensive: £855 (London SE1)
- Average: £721 (Newcastle NE1)
- Cheap: £524 (Galashiels TD1)
Which factors affect my Kia Soul insurance rate?
Along with insurance group, there are a number of key factors that have the biggest impact on your insurance premium costs:
- Engine type and capacity. In general, the larger the engine, the more you’ll pay for your car insurance. For example, it may cost £846 for insurance for a Kia Soul 1.6 GDi Start 5d, while you may pay £972 for a Kia Soul Sport 1.6 T-GDi 201bhp DCT auto 5d. So, you’ll pay £126 extra per year for a larger engine in this example.
- Driver location. Insurers use your home address to determine the level of risk that your car may be stolen or involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £855 to insure a Kia Soul 1.6 GDi Connect Plus 5d, while the same 30-year-old in Newcastle may only pay £721. So, the Londoner will pay an extra £134 per year in this example.
- Driver age. The youngest drivers will pay the most for car insurance because they are the most likely to make a claim. As an example, the average 20-year-old driver in London may pay £1,487 for the Kia Soul 1.6 CRDi Connect Plus 5d, while the average 40-year-old Londoner will only pay £779. So, the younger driver will pay an extra £708 per year in this example.
Other factors that influence the cost of your insurance include:
- The model and age of your car
- Your car’s safety rating score
- Your car’s safety rating and security features
- Your car’s extra anti-theft precautions
- Your annual mileage
- Your driving history and activity
- Your no-claim discount
- Your marital status
- Your credit history and job
How can I save on my Kia Soul premium?
When searching for car insurance, it’s always worth taking the time to find the best deal for a price that’s within your budget. Here are some ideas to lower the cost of your premium.
- Limit your annual mileage (where possible). If you can occasionally travel by foot or public transport, rather than using your car, this helps to save on your premium.
- Pay annually rather than monthly. Some insurers charge interest if you decide to pay monthly, so pay your premium annually if you can afford to do so.
- Install extra safety precautions. By adding extra safety measures to your car, you make it less of a risk to insure. That’s why many insurance companies will lower your premium when you do so.
- Shop around for the best deal every year. When it’s time for renewal, don’t just settle for the renewal price offered to you. There will usually be cheaper options out there.
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