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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Average insurance prices for a Kia Telluride are $1,408 every 12 months for full coverage insurance. Comprehensive costs an estimated $304, collision costs $592, and liability costs $376. A policy with just liability insurance costs as little as $426 a year, with coverage for high-risk drivers costing around $3,060. Teen drivers receive the highest rates at $5,184 a year or more.
Average premium for full coverage: $1,408
Rate estimates broken down by individual coverage type:
Estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Telluride trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $426 for your basic liability-only policy to a much higher rate of $3,060 for a driver that may need high-risk insurance.
Price Range by Location
Your location can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how where you live affects insurance prices.
These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, 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.
More Rate Information
The chart below illustrates estimated Kia Telluride insurance rates for other coverage scenarios.
- The lowest rate with discounts is $793
- Drivers who choose higher $1,000 deductibles will pay approximately $204 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,408
- Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,804
- Drivers with multiple violations and an at-fault accident could pay up to $3,060 or more
- The cost to insure a 16-year-old driver with full coverage can cost as much as $5,184 a year
Insurance rates for a Kia Telluride can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing high deductibles could save up to $600 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance can cost from 44% to 135% more than average. View High Risk Driver Rates
Where you live makes a big difference in Kia Telluride insurance prices. A 40-year-old driver could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,900 on average in Florida, 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 so much variability in rates, the only way to figure out which company is cheapest is to compare rates from multiple companies. Every company uses a different rate calculation, and rates can be significantly different.
| 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 Low Cost Kia Telluride Insurance
Saving money on insurance for a Kia Telluride not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below you'll find a review of the data that was touched on in the above illustrations.
- It is possible to save approximately $170 per year simply by shopping early and online
- Insureds who want more liability protection will pay about $410 annually to go from a minimum limit to a 250/500 level
- Youthful drivers are expensive to insure, costing up to $432 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,650 more annually than a low-risk driver
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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