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 rates for a Kia Telluride are $1,408 a year including full coverage. Comprehensive insurance costs an estimated $304, collision costs $592, and liability coverage is $376. Liability-only coverage costs around $426 a year, with high-risk coverage costing $3,060 or more. 16-year-old drivers pay the highest rates at $5,184 a year or more.
Average premium for full coverage: $1,408
Price estimates broken down by individual coverage:
Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Telluride models.
Price Range from Low to High
For the average driver, Kia Telluride insurance prices go from as low as $426 for liability-only coverage to the much higher price of $3,060 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates how location impacts insurance prices.
The ranges above highlight why everyone should compare rates quotes for a targeted area and risk profile, rather than using rate averages.
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.
Additional Charts and Tables
The chart below breaks down estimated Kia Telluride insurance rates for other coverage scenarios.
- The best full coverage rate is $793
- Raising to $1,000 deductibles will save approximately $204 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,408
- Buying pricier low deductibles will cost an extra $396 each year
- Unlucky drivers with multiple tickets or accidents could pay up to $3,060 or more
- The price for full coverage for a teenage driver for full coverage can cost as much as $5,184
Auto insurance prices for a Kia Telluride are also quite variable based on your driving record, the model of your Telluride, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age
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 $1,080 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,010 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,270 | -$138 | -9.8% |
| Alaska | $1,078 | -$330 | -23.4% |
| Arizona | $1,166 | -$242 | -17.2% |
| Arkansas | $1,408 | -$0 | 0.0% |
| California | $1,602 | $194 | 13.8% |
| Colorado | $1,342 | -$66 | -4.7% |
| Connecticut | $1,444 | $36 | 2.6% |
| Delaware | $1,592 | $184 | 13.1% |
| Florida | $1,758 | $350 | 24.9% |
| Georgia | $1,300 | -$108 | -7.7% |
| Hawaii | $1,010 | -$398 | -28.3% |
| Idaho | $952 | -$456 | -32.4% |
| Illinois | $1,046 | -$362 | -25.7% |
| Indiana | $1,060 | -$348 | -24.7% |
| Iowa | $948 | -$460 | -32.7% |
| Kansas | $1,336 | -$72 | -5.1% |
| Kentucky | $1,916 | $508 | 36.1% |
| Louisiana | $2,082 | $674 | 47.9% |
| Maine | $868 | -$540 | -38.4% |
| Maryland | $1,160 | -$248 | -17.6% |
| Massachusetts | $1,120 | -$288 | -20.5% |
| Michigan | $2,442 | $1,034 | 73.4% |
| Minnesota | $1,178 | -$230 | -16.3% |
| Mississippi | $1,684 | $276 | 19.6% |
| Missouri | $1,250 | -$158 | -11.2% |
| Montana | $1,510 | $102 | 7.2% |
| Nebraska | $1,108 | -$300 | -21.3% |
| Nevada | $1,686 | $278 | 19.7% |
| New Hampshire | $1,014 | -$394 | -28.0% |
| New Jersey | $1,572 | $164 | 11.6% |
| New Mexico | $1,244 | -$164 | -11.6% |
| New York | $1,480 | $72 | 5.1% |
| North Carolina | $808 | -$600 | -42.6% |
| North Dakota | $1,152 | -$256 | -18.2% |
| Ohio | $970 | -$438 | -31.1% |
| Oklahoma | $1,442 | $34 | 2.4% |
| Oregon | $1,288 | -$120 | -8.5% |
| Pennsylvania | $1,340 | -$68 | -4.8% |
| Rhode Island | $1,874 | $466 | 33.1% |
| South Carolina | $1,274 | -$134 | -9.5% |
| South Dakota | $1,188 | -$220 | -15.6% |
| Tennessee | $1,232 | -$176 | -12.5% |
| Texas | $1,694 | $286 | 20.3% |
| Utah | $1,040 | -$368 | -26.1% |
| Vermont | $960 | -$448 | -31.8% |
| Virginia | $842 | -$566 | -40.2% |
| Washington | $1,084 | -$324 | -23.0% |
| West Virginia | $1,288 | -$120 | -8.5% |
| Wisconsin | $972 | -$436 | -31.0% |
| Wyoming | $1,250 | -$158 | -11.2% |
Opting for high physical damage deductibles can reduce prices by up to $600 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $339 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $1,700 to $2,300 in extra premium each year, depending on your age. Kia Telluride insurance for high-risk drivers is expensive and can cost around 44% to 135% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Telluride | $344 | $656 | $338 | $1,474 |
| 2023 Kia Telluride | $332 | $640 | $354 | $1,462 |
| 2022 Kia Telluride | $320 | $612 | $364 | $1,432 |
| 2021 Kia Telluride | $304 | $592 | $376 | $1,408 |
| 2020 Kia Telluride | $292 | $548 | $384 | $1,360 |
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 Find More Affordable Kia Telluride Insurance
Getting lower rates on auto insurance consists of being a safe and courteous driver, having good credit, being claim-free, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below is a summary of the information touched on above.
- You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
- Teenage drivers are the costliest to insure, possibly costing $432 a month if they have full coverage
- Increasing physical damage deductibles can save around $600 each year
- Drivers who have multiple accidents or major violations may pay on average $1,650 more annually for auto insurance
- Consumers who want higher levels of liability will pay around $410 per year to raise from a low limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,184 |
| 20 | $3,262 |
| 30 | $1,476 |
| 40 | $1,408 |
| 50 | $1,284 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,804 |
| $250 | $1,620 |
| $500 | $1,408 |
| $1,000 | $1,204 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,408 |
| 50/100 | $1,483 |
| 100/300 | $1,577 |
| 250/500 | $1,822 |
| 100 CSL | $1,521 |
| 300 CSL | $1,728 |
| 500 CSL | $1,878 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,428 |
| 20 | $5,196 |
| 30 | $3,134 |
| 40 | $3,060 |
| 50 | $2,918 |
| 60 | $2,892 |
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 | $76 |
| Multi-vehicle | $75 |
| Homeowner | $20 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $68 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $615 |
Discounts are estimated and may not be available from every company or in every state.
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