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 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:
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.
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.
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.
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
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.
| 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% |
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.
| 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
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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