Kia Telluride Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 11, 2024
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U.S. average insurance prices for a Kia Telluride are $1,432 every 12 months including full coverage. Comprehensive insurance costs around $320, collision costs $612, and liability insurance is $364. Buying just liability costs around $416 a year, with insurance for high-risk drivers costing $3,114 or more. Teenage drivers pay the highest rates at $5,238 a year or more.
Average premium for full coverage: $1,432
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Telluride models.
Price Range from Low to High
For a 40-year-old driver, Kia Telluride insurance prices go from the cheapest price of $416 for your basic liability-only policy to the much higher price of $3,114 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities.
The example below illustrates how your location can change auto insurance rates.
The ranges above highlight why everyone should compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below breaks down estimated Kia Telluride insurance rates for additional coverage choices and driver risks.
- The best discount rate is $807
- Raising to $1,000 deductibles will save about $210 every year
- The average price for the average middle-age driver using $500 deductibles is $1,432
- Using pricier low deductibles costs an extra $416 a year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,114 or more
- The price to insure a teen driver for full coverage can be $5,238
Insurance prices for a Kia Telluride are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can reduce prices by up to $630 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $327 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 additional each year, depending on your age. Kia Telluride insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Kia Telluride insurance rates. A middle-age driver might find prices as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,050 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,296 | -$136 | -9.5% |
| Alaska | $1,100 | -$332 | -23.2% |
| Arizona | $1,188 | -$244 | -17.0% |
| Arkansas | $1,432 | -$0 | 0.0% |
| California | $1,634 | $202 | 14.1% |
| Colorado | $1,368 | -$64 | -4.5% |
| Connecticut | $1,472 | $40 | 2.8% |
| Delaware | $1,622 | $190 | 13.3% |
| Florida | $1,792 | $360 | 25.1% |
| Georgia | $1,326 | -$106 | -7.4% |
| Hawaii | $1,030 | -$402 | -28.1% |
| Idaho | $974 | -$458 | -32.0% |
| Illinois | $1,068 | -$364 | -25.4% |
| Indiana | $1,082 | -$350 | -24.4% |
| Iowa | $966 | -$466 | -32.5% |
| Kansas | $1,360 | -$72 | -5.0% |
| Kentucky | $1,956 | $524 | 36.6% |
| Louisiana | $2,124 | $692 | 48.3% |
| Maine | $886 | -$546 | -38.1% |
| Maryland | $1,184 | -$248 | -17.3% |
| Massachusetts | $1,144 | -$288 | -20.1% |
| Michigan | $2,490 | $1,058 | 73.9% |
| Minnesota | $1,202 | -$230 | -16.1% |
| Mississippi | $1,718 | $286 | 20.0% |
| Missouri | $1,272 | -$160 | -11.2% |
| Montana | $1,538 | $106 | 7.4% |
| Nebraska | $1,128 | -$304 | -21.2% |
| Nevada | $1,718 | $286 | 20.0% |
| New Hampshire | $1,034 | -$398 | -27.8% |
| New Jersey | $1,602 | $170 | 11.9% |
| New Mexico | $1,268 | -$164 | -11.5% |
| New York | $1,510 | $78 | 5.4% |
| North Carolina | $824 | -$608 | -42.5% |
| North Dakota | $1,174 | -$258 | -18.0% |
| Ohio | $988 | -$444 | -31.0% |
| Oklahoma | $1,470 | $38 | 2.7% |
| Oregon | $1,314 | -$118 | -8.2% |
| Pennsylvania | $1,366 | -$66 | -4.6% |
| Rhode Island | $1,912 | $480 | 33.5% |
| South Carolina | $1,300 | -$132 | -9.2% |
| South Dakota | $1,210 | -$222 | -15.5% |
| Tennessee | $1,254 | -$178 | -12.4% |
| Texas | $1,728 | $296 | 20.7% |
| Utah | $1,062 | -$370 | -25.8% |
| Vermont | $980 | -$452 | -31.6% |
| Virginia | $858 | -$574 | -40.1% |
| Washington | $1,108 | -$324 | -22.6% |
| West Virginia | $1,314 | -$118 | -8.2% |
| Wisconsin | $990 | -$442 | -30.9% |
| Wyoming | $1,276 | -$156 | -10.9% |
Since prices can be so different, the best way to figure out your exact price is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Telluride | $358 | $660 | $332 | $1,486 |
| 2023 Kia Telluride | $344 | $656 | $338 | $1,474 |
| 2022 Kia Telluride | $332 | $640 | $354 | $1,462 |
| 2021 Kia Telluride | $320 | $612 | $364 | $1,432 |
| 2020 Kia Telluride | $304 | $592 | $376 | $1,408 |
Rates are averaged for all Kia Telluride models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheaper Kia Telluride Insurance
Getting lower rates on Kia Telluride insurance consists of avoiding accidents and claims, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The points below are a condensed summary of the information illustrated above.
- You may be able to save up to $180 per year simply by quoting online well ahead of the renewal date
- Drivers under the age of 20 are charged the highest prices, possibly costing $437 a month if full coverage is included
- Increasing physical damage deductibles could save as much as $625 each year
- High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,680 more every year to insure a Kia Telluride
- Drivers who may need increased liability limits will pay an extra $400 per year to raise from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,238 |
| 20 | $3,318 |
| 30 | $1,504 |
| 40 | $1,432 |
| 50 | $1,310 |
| 60 | $1,286 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,848 |
| $250 | $1,654 |
| $500 | $1,432 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,432 |
| 50/100 | $1,505 |
| 100/300 | $1,596 |
| 250/500 | $1,832 |
| 100 CSL | $1,541 |
| 300 CSL | $1,741 |
| 500 CSL | $1,887 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,516 |
| 20 | $5,284 |
| 30 | $3,194 |
| 40 | $3,114 |
| 50 | $2,970 |
| 60 | $2,944 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $78 |
| Multi-vehicle | $75 |
| Homeowner | $20 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $69 |
| Advance Quote | $74 |
| Online Quote | $104 |
| Total Discounts | $625 |
Discounts are estimated and may not be available from every company or in every state.
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