Average annual premiums: $1,620. As a small battery-powered wagon, the boxy/funky Kia Soul EV is a sane and practical choice, and starting at $33,145 (before the $7,500 federal tax credit), it’s also affordable. Low operating costs, a long warranty, and about-average insurance rates sweeten the deal. Unfortunately, the Soul EV is only sold in California, Connecticut, Georgia, Maryland, Massachusetts, New Jersey, New York, Oregon, Texas, and Washington.