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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The average insurance prices for a Kia Telluride are $1,408 every 12 months for full coverage insurance. Comprehensive insurance costs on average $304, collision insurance costs $592, and liability is $376. Liability-only insurance costs around $426 a year, and high-risk driver insurance costs $3,060 or more. 16-year-old drivers cost the most to insure at up to $5,184 a year.
Average premium for full coverage: $1,408
Policy rates by type of insurance:
These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Telluride models.
Price Range Variability
For a 40-year-old driver, Kia Telluride insurance rates range from the cheapest price of $426 for the bare minimum liability coverage to the much higher price of $3,060 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than congested cities. The example below illustrates how your location can change car insurance rates.
The examples above illustrate why everyone should compare rates quotes based on a specific location and their own driving history, instead of 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 Rate Information
The chart below illustrates average Kia Telluride insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $793
- Raising to $1,000 deductibles will save around $204 each year
- The average price for a good driver age 40 with $500 deductibles is $1,408
- Buying pricier low deductibles costs an extra $396 every year
- At-risk drivers with multiple tickets or accidents could pay upwards of $3,060
- Policy cost to insure a teen driver for full coverage may cost $5,184
Auto insurance rates for a Kia Telluride also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Telluride.
Opting for high physical damage deductibles can reduce rates by up to $600 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay upwards of $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. Kia Telluride insurance for high-risk drivers is expensive and can cost as much as 44% to 135% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Kia Telluride insurance prices. A middle-age driver might find rates as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,900 on average in Michigan, New York, and Florida.
| 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% |
| 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 Shop for Cheap Kia Telluride Insurance
Finding cheaper rates on car insurance consists of being a good driver, having a good credit score, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by obtaining price quotes from direct insurance companies, and also from several local insurance agents.
The following list is a brief summary of the ideas that were illustrated above.
- Drivers age 16 to 20 are charged the highest rates, possibly costing $432 each month if comprehensive and collision insurance is included
- Higher risk drivers that tend to have accidents or serious violations pay on average $1,650 more each year than a safer driver
- Increasing comprehensive and collision deductibles could save as much as $600 each year
- It is possible to save as much as $170 per year just by quoting online well ahead of the renewal date
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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