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 auto insurance rates for a Kia Telluride are $1,432 annually for full coverage. Comprehensive insurance costs around $320 each year, collision costs $612, and liability costs around $364. Buying just liability costs as low as $416 a year, with insurance for high-risk drivers costing $3,114 or more. Teenage drivers cost the most to insure at $5,238 a year or more.
Average premium for full coverage: $1,432
Policy rates for type of insurance:
Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Telluride models.
Price Range Variability
For an average driver, Kia Telluride insurance rates go from as cheap as $416 for minimum levels of liability insurance to a high rate of $3,114 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
The examples above show why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.
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 Details
The chart below shows estimated Kia Telluride insurance rates for additional coverage choices and driver risks.
- The best discount rate is $807
- Using higher $1,000 deductibles will save about $210 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,432
- Using low deductibles for physical damage coverage costs an additional $416 annually
- High-risk insureds who are prone to accidents and violations could pay at least $3,114 or more
- Policy cost with full coverage for a 16-year-old driver can be $5,238 or more
Insurance rates for a Kia Telluride also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $630 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Kia Telluride insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,050 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,296 | -$136 | -9.5% |
| Alaska | $1,100 | -$332 | -23.2% |
| Arizona | $1,188 | -$244 | -17.0% |
| Arkansas | $1,432 | -$0 | 0.0% |
| California | $1,634 | $202 | 14.1% |
| Colorado | $1,368 | -$64 | -4.5% |
| Connecticut | $1,472 | $40 | 2.8% |
| Delaware | $1,622 | $190 | 13.3% |
| Florida | $1,792 | $360 | 25.1% |
| Georgia | $1,326 | -$106 | -7.4% |
| Hawaii | $1,030 | -$402 | -28.1% |
| Idaho | $974 | -$458 | -32.0% |
| Illinois | $1,068 | -$364 | -25.4% |
| Indiana | $1,082 | -$350 | -24.4% |
| Iowa | $966 | -$466 | -32.5% |
| Kansas | $1,360 | -$72 | -5.0% |
| Kentucky | $1,956 | $524 | 36.6% |
| Louisiana | $2,124 | $692 | 48.3% |
| Maine | $886 | -$546 | -38.1% |
| Maryland | $1,184 | -$248 | -17.3% |
| Massachusetts | $1,144 | -$288 | -20.1% |
| Michigan | $2,490 | $1,058 | 73.9% |
| Minnesota | $1,202 | -$230 | -16.1% |
| Mississippi | $1,718 | $286 | 20.0% |
| Missouri | $1,272 | -$160 | -11.2% |
| Montana | $1,538 | $106 | 7.4% |
| Nebraska | $1,128 | -$304 | -21.2% |
| Nevada | $1,718 | $286 | 20.0% |
| New Hampshire | $1,034 | -$398 | -27.8% |
| New Jersey | $1,602 | $170 | 11.9% |
| New Mexico | $1,268 | -$164 | -11.5% |
| New York | $1,510 | $78 | 5.4% |
| North Carolina | $824 | -$608 | -42.5% |
| North Dakota | $1,174 | -$258 | -18.0% |
| Ohio | $988 | -$444 | -31.0% |
| Oklahoma | $1,470 | $38 | 2.7% |
| Oregon | $1,314 | -$118 | -8.2% |
| Pennsylvania | $1,366 | -$66 | -4.6% |
| Rhode Island | $1,912 | $480 | 33.5% |
| South Carolina | $1,300 | -$132 | -9.2% |
| South Dakota | $1,210 | -$222 | -15.5% |
| Tennessee | $1,254 | -$178 | -12.4% |
| Texas | $1,728 | $296 | 20.7% |
| Utah | $1,062 | -$370 | -25.8% |
| Vermont | $980 | -$452 | -31.6% |
| Virginia | $858 | -$574 | -40.1% |
| Washington | $1,108 | -$324 | -22.6% |
| West Virginia | $1,314 | -$118 | -8.2% |
| Wisconsin | $990 | -$442 | -30.9% |
| Wyoming | $1,276 | -$156 | -10.9% |
Because rates have so much variability, the only way to know your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, so the rates will be varied between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Telluride | $358 | $660 | $332 | $1,486 |
| 2023 Kia Telluride | $344 | $656 | $338 | $1,474 |
| 2022 Kia Telluride | $332 | $640 | $354 | $1,462 |
| 2021 Kia Telluride | $320 | $612 | $364 | $1,432 |
| 2020 Kia Telluride | $304 | $592 | $376 | $1,408 |
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 Low Cost Kia Telluride Insurance
Finding cheaper rates on insurance for a Kia Telluride requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates at every policy renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below is a review of the data covered in the above illustrations.
- Insureds who may need higher levels of liability will pay an extra $400 each year to increase from a 30/60 limit to higher 250/500 limits
- Drivers can save up to $180 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $625 each year
- Teenage drivers pay higher rates, costing up to $437 each month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,238 |
| 20 | $3,318 |
| 30 | $1,504 |
| 40 | $1,432 |
| 50 | $1,310 |
| 60 | $1,286 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,848 |
| $250 | $1,654 |
| $500 | $1,432 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,432 |
| 50/100 | $1,505 |
| 100/300 | $1,596 |
| 250/500 | $1,832 |
| 100 CSL | $1,541 |
| 300 CSL | $1,741 |
| 500 CSL | $1,887 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,516 |
| 20 | $5,284 |
| 30 | $3,194 |
| 40 | $3,114 |
| 50 | $2,970 |
| 60 | $2,944 |
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 | $78 |
| Multi-vehicle | $75 |
| Homeowner | $20 |
| 5-yr Accident Free | $111 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $69 |
| Advance Quote | $74 |
| Online Quote | $104 |
| Total Discounts | $625 |
Discounts are estimated and may not be available from every company or in every state.
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