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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Estimated auto insurance rates for a Kia Telluride are $1,408 annually including full coverage. Comprehensive costs an estimated $304, collision costs $592, and liability is $376. A policy with only liability insurance costs around $426 a year, with a high-risk policy costing around $3,060. Teen drivers pay the most at $5,184 a year or more.
Average premium for full coverage: $1,408
Premium estimates broken down by type of coverage:
Full coverage includes $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Telluride models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Kia Telluride go from as cheap as $426 for liability-only coverage to the much higher price of $3,060 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.
The example below illustrates how where you live affects insurance prices.
These rate differences highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on price 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 lowest rate with discounts is $793
- Raising to $1,000 deductibles will save approximately $204 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,408
- Choosing pricier low deductibles will cost $1,804
- Drivers with multiple violations and an at-fault accident could pay up to $3,060 or more
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost as much as $5,184
Car insurance prices for a Kia Telluride also have a wide range based on the model of your Telluride, your driving characteristics, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $1,700 to $2,300 extra annually, depending on your age. Kia Telluride insurance for high-risk drivers is expensive and can cost from 44% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $600 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Kia Telluride insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or as much as $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% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different between companies.
| 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 Buy More Affordable Kia Telluride Insurance
Finding better rates on insurance for a Kia Telluride consists of having a good driving record, having a good credit score, refrain from filing small claims, and not having any coverage lapses. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.
The next list is a summary of the material that was touched on in the above illustrations.
- Insureds who want increased levels of liability coverage will pay about $410 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 20 and younger have the highest car insurance prices, with the cost nearing $432 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,650 more annually to buy Kia Telluride insurance
- Increasing policy deductibles could save up to $600 each year
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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