Kia Telluride Insurance Rates

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UPDATED: May 11, 2024

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Average insurance rates for a Kia Telluride are $1,408 a year including full coverage. Comprehensive costs approximately $304 a year, collision costs $592, and liability coverage costs $376. A liability-only policy costs as little as $426 a year, with high-risk insurance costing around $3,060. 16-year-old drivers receive the highest rates at $5,184 a year or more.

Average premium for full coverage: $1,408

Rate estimates by individual coverage type:

Comprehensive $304
Collision $592
Liability $376

Full coverage includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Telluride trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $426 for just liability coverage to a high of $3,060 for a driver who has had serious violations or accidents.

Liability Only $426
Full Coverage $1,408
High Risk $3,060

Price Range by Location

Your location has a large influence on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,056
Small Cities $1,478
Large Cities $1,901

These examples highlight why it is important to compare rates using their specific location 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.

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Detailed Rate Analysis

The chart below breaks down estimated Kia Telluride insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $793
  • Drivers who choose higher $1,000 deductibles will pay $1,204 every year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,408
  • Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,804
  • High-risk insureds with multiple tickets or accidents could pay around $3,060 or more
  • The cost for full coverage for a teenage driver can cost $5,184 a year

View Chart as Image

Kia Telluride insurance cost comparison chart
Column chart showing full coverage Kia Telluride insurance rates range from $793 to $5,184

Insurance rates for a Kia Telluride can also vary considerably based on your driver profile, the model of your Telluride, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Where you live makes a big difference in Kia Telluride insurance rates. A 40-year-old driver could pay 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.

Kia Telluride Insurance Rates by State
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%

View Chart as Image

Kia Telluride insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $600 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 135% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every company utilizes a different rate formula, so the rates can be significantly different from one company to the next.

Kia Telluride Insurance Rates by Model Year
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

Saving money on auto insurance not only requires being a low-risk driver, but also maintaining good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The items below are a summary of the ideas that were covered above.

  • Teen drivers are expensive to insure, as much as $432 per month for full coverage
  • Drivers who have multiple accidents or major violations could be forced to pay on average $1,650 more per year to insure their Telluride
  • Increasing deductibles can save around $600 each year
  • You may be able to save around $170 per year simply by quoting early and online

Rates by Driver Age

Kia Telluride Insurance 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

Kia Telluride Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,804
$250 $1,620
$500 $1,408
$1,000 $1,204

Full coverage, driver age 40

Rates by Liability Limit

Kia Telluride Insurance Rates with Different Liability Limits
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

Kia Telluride Insurance 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.

SR-22 Surcharge $201

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
Rate after discounts $793

Discounts are estimated and may not be available from every company or in every state.

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