Estimates, not quotes

Toyota Corolla vs Kia Soul Insurance Cost

The Kia Soul is cheaper to insure by about $110 a year for full coverage by our estimate ($1,705 vs. $1,595), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageToyota CorollaKia SoulDifference
State minimum$710$725−$15
Standard (100/300/100)$1,025$1,055−$30
Full coverage$1,705$1,595+$110

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Corolla minus Soul.

Why one costs more to insure

FactorToyota CorollaKia Soul
SegmentCompact carCompact car
PowertrainsGasoline, HybridGasoline, Electric
HLDI collision (100 = avg)10283
HLDI comprehensive8984
HLDI property damage liability114119
HLDI bodily injury liability137138
NHTSA overall rating5★4★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)34

Collision losses are the biggest swing factor: the Toyota Corolla has 19 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Corolla vs Soul insurance by state

StateCorollaSoulDifference
Alabama$1,475$1,360+$115
Alaska$1,490$1,385+$105
Arizona$1,790$1,685+$105
Arkansas$1,480$1,355+$125
California$1,665$1,530+$135
Colorado$1,920$1,790+$130
Connecticut$1,830$1,725+$105
Delaware$1,930$1,845+$85
District of Columbia$2,145$1,990+$155
Florida$2,480$2,390+$90
Georgia$2,135$2,035+$100
Hawaii$1,170$1,075+$95
Idaho$1,155$1,075+$80
Illinois$1,470$1,365+$105
Indiana$1,205$1,115+$90
Iowa$1,130$1,035+$95
Kansas$1,335$1,230+$105
Kentucky$1,435$1,350+$85
Louisiana$2,365$2,225+$140
Maine$1,080$995+$85
Maryland$1,925$1,810+$115
Massachusetts$1,675$1,560+$115
Michigan$1,855$1,720+$135
Minnesota$1,405$1,300+$105
Mississippi$1,615$1,495+$120
Missouri$1,535$1,425+$110
Montana$1,335$1,225+$110
Nebraska$1,340$1,230+$110
Nevada$2,000$1,920+$80
New Hampshire$1,210$1,115+$95
New Jersey$2,085$1,985+$100
New Mexico$1,520$1,415+$105
New York$2,315$2,195+$120
North Carolina$1,255$1,140+$115
North Dakota$1,060$960+$100
Ohio$1,210$1,120+$90
Oklahoma$1,515$1,395+$120
Oregon$1,550$1,475+$75
Pennsylvania$1,475$1,355+$120
Rhode Island$2,080$1,965+$115
South Carolina$1,840$1,750+$90
South Dakota$1,260$1,145+$115
Tennessee$1,405$1,290+$115
Texas$2,000$1,860+$140
Utah$1,565$1,480+$85
Vermont$1,090$990+$100
Virginia$1,465$1,370+$95
Washington$1,500$1,420+$80
West Virginia$1,405$1,290+$115
Wisconsin$1,155$1,065+$90
Wyoming$1,285$1,165+$120

By driver profile (full coverage)

DriverCorollaSoul
Teen driver (18, own policy)$4,695$4,385
Young adult (22)$2,730$2,550
Adult in their 30s$1,705$1,595
Adult in their 50s$1,570$1,465
Senior (72)$1,910$1,785
30s, one at-fault accident$2,475$2,315
30s, DUI on record$3,155$2,950

More comparisons

Frequently asked questions

Is the Toyota Corolla or the Kia Soul cheaper to insure?

By our estimate the Kia Soul is cheaper, by about $110 a year for full coverage ($1,705 vs. $1,595) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Corolla and Kia Soul?

Mostly because of insurance-loss history: HLDI collision indices of 102 vs. 83 and comprehensive indices of 89 vs. 84 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page