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 $1,432 every 12 months for full coverage. Comprehensive costs an estimated $320 a year, collision costs $612, and liability insurance costs $364. A liability-only policy costs as little as $416 a year, with high-risk insurance costing around $3,114. Teens receive the highest rates at $5,238 a year or more.
Average premium for full coverage: $1,432
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Telluride trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $416 for just liability coverage to a high of $3,114 for a high-risk driver policy.
Price Range by Location
Your location has a significant impact on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates the difference location can make on insurance prices.
These examples show why it is important to compare rates for a targeted area and their own driving history, rather than relying on averaged prices.
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 shows estimated Kia Telluride insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $807
- Drivers who choose higher $1,000 deductibles will pay approximately $1,222 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,432
- Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,848
- High risk drivers with serious driving violations could pay up to $3,114 or more
- The cost to insure a teen driver can cost as much as $5,238 a year
Insurance rates for a Kia Telluride can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could save up to $630 each year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $5,200 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Kia Telluride insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,050 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know which company is cheapest is to get quotes from as many companies as possible. Every company calculates rates differently, so the rates can be significantly different.
| 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 Shop for Affordable Kia Telluride Insurance
Saving money on Kia Telluride insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unneeded coverage, and taking advantage of discounts. Make time to compare rates every time your policy renews by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a brief review of the information touched on in this article.
- Drivers can save approximately $180 per year simply by quoting early and online
- Teens are charged the highest rates, costing as high as $437 per month if they have full coverage
- Increasing deductibles could save as much as $625 each year
- High-risk drivers with DUI or reckless driving convictions pay on average $1,680 more annually for Telluride insurance
- Drivers who want higher liability limits will pay approximately $400 each year to go from a minimum limit to a 250/500 level
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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