Kia Telluride Insurance Rates

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UPDATED: May 11, 2024

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The average insurance prices for a Kia Telluride are $1,408 every 12 months including full coverage. Comprehensive costs on average $304 each year, collision insurance costs $592, and liability insurance costs around $376. A liability-only policy costs as low as $426 a year, and high-risk insurance costs around $3,060. Teen 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:

Comprehensive $304
Collision $592
Liability $376

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Telluride models.

Price Range Variability

For the normal driver, Kia Telluride insurance rates range from the cheapest price of $426 for the bare minimum liability coverage to a high rate of $3,060 for high-risk insurance.

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

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.

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

The examples above highlight why all drivers should compare prices based on a specific location and their own driving history, rather than relying 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 Rate Information

The chart below breaks down average Kia Telluride insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $793
  • Using higher $1,000 deductibles will save around $204 every year
  • The average price for a good driver age 40 with $500 deductibles is $1,408
  • Choosing low deductibles for physical damage coverage increases the price to $1,804
  • Drivers with multiple violations and an at-fault accident could pay upwards of $3,060
  • Policy cost to insure a teen driver may cost $5,184 or more

View Chart as Image

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

Car insurance rates for a Kia Telluride also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Telluride.

Choosing high deductibles could cut rates by as much as $600 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged 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 likely paying at a minimum $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 135% more than average. View High Risk Driver Rates

Your home state has a huge impact on Kia Telluride insurance rates. A driver around age 40 might see rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.

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
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 Shop for More Affordable Kia Telluride Insurance

Finding cheaper rates on Kia Telluride insurance requires having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates every couple of years by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a summary of the material that was presented in the illustrations above.

  • Drivers who require additional liability coverage will pay about $410 per year to increase from a 30/60 limit to a 250/500 level
  • 16 to 18-year-old drivers are expensive to insure, with premiums being up to $432 each month if the policy includes full coverage
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,650 more each year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles could save as much as $600 each year

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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