Kia Telluride Insurance Rates
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UPDATED: May 11, 2024
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Average auto insurance rates for a Kia Telluride are $1,462 annually with full coverage. Comprehensive insurance costs approximately $332 a year, collision costs $640, and liability coverage is $354. A policy with just liability insurance costs around $406 a year, with coverage for high-risk drivers costing $3,174 or more. 16-year-old drivers receive the highest rates at $5,308 a year or more.
Average premium for full coverage: $1,462
Rate estimates by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Telluride trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $406 for just the minimum liability insurance to a high of $3,174 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than congested cities.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
These examples demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, 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.
Additional Rate Analysis
The chart below details estimated Kia Telluride insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $822
- Raising to $1,000 deductibles will save $1,240 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,462
- Buying low $100 deductibles costs an additional $430 each year
- Unlucky drivers with multiple tickets or accidents could pay around $3,174 or more
- The cost with full coverage for a teenage driver can cost $5,308
Insurance rates for a Kia Telluride can also vary considerably based on the trim level of your Telluride, your driving record, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $660 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $318 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Kia Telluride insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or at least $1,970 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,320 | -$142 | -9.7% |
| Alaska | $1,120 | -$342 | -23.4% |
| Arizona | $1,212 | -$250 | -17.1% |
| Arkansas | $1,462 | -$0 | 0.0% |
| California | $1,666 | $204 | 14.0% |
| Colorado | $1,394 | -$68 | -4.7% |
| Connecticut | $1,502 | $40 | 2.7% |
| Delaware | $1,652 | $190 | 13.0% |
| Florida | $1,826 | $364 | 24.9% |
| Georgia | $1,350 | -$112 | -7.7% |
| Hawaii | $1,050 | -$412 | -28.2% |
| Idaho | $992 | -$470 | -32.1% |
| Illinois | $1,088 | -$374 | -25.6% |
| Indiana | $1,100 | -$362 | -24.8% |
| Iowa | $984 | -$478 | -32.7% |
| Kansas | $1,388 | -$74 | -5.1% |
| Kentucky | $1,992 | $530 | 36.3% |
| Louisiana | $2,162 | $700 | 47.9% |
| Maine | $902 | -$560 | -38.3% |
| Maryland | $1,206 | -$256 | -17.5% |
| Massachusetts | $1,166 | -$296 | -20.2% |
| Michigan | $2,536 | $1,074 | 73.5% |
| Minnesota | $1,224 | -$238 | -16.3% |
| Mississippi | $1,750 | $288 | 19.7% |
| Missouri | $1,298 | -$164 | -11.2% |
| Montana | $1,570 | $108 | 7.4% |
| Nebraska | $1,150 | -$312 | -21.3% |
| Nevada | $1,750 | $288 | 19.7% |
| New Hampshire | $1,052 | -$410 | -28.0% |
| New Jersey | $1,634 | $172 | 11.8% |
| New Mexico | $1,292 | -$170 | -11.6% |
| New York | $1,538 | $76 | 5.2% |
| North Carolina | $842 | -$620 | -42.4% |
| North Dakota | $1,198 | -$264 | -18.1% |
| Ohio | $1,008 | -$454 | -31.1% |
| Oklahoma | $1,498 | $36 | 2.5% |
| Oregon | $1,338 | -$124 | -8.5% |
| Pennsylvania | $1,394 | -$68 | -4.7% |
| Rhode Island | $1,948 | $486 | 33.2% |
| South Carolina | $1,326 | -$136 | -9.3% |
| South Dakota | $1,232 | -$230 | -15.7% |
| Tennessee | $1,280 | -$182 | -12.4% |
| Texas | $1,760 | $298 | 20.4% |
| Utah | $1,082 | -$380 | -26.0% |
| Vermont | $1,000 | -$462 | -31.6% |
| Virginia | $876 | -$586 | -40.1% |
| Washington | $1,128 | -$334 | -22.8% |
| West Virginia | $1,338 | -$124 | -8.5% |
| Wisconsin | $1,008 | -$454 | -31.1% |
| Wyoming | $1,300 | -$162 | -11.1% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Kia Telluride | $376 | $688 | $316 | $1,516 |
| 2023 Kia Telluride | $358 | $660 | $332 | $1,486 |
| 2022 Kia Telluride | $344 | $656 | $338 | $1,474 |
| 2021 Kia Telluride | $332 | $640 | $354 | $1,462 |
| 2020 Kia Telluride | $320 | $612 | $364 | $1,432 |
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 the Best Cheap Kia Telluride Insurance
Saving money on auto insurance consists of avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates at every policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The list below is a quick review of the data covered above.
- Consumers who purchase higher liability limits will pay around $390 every year to raise from a minimum limit to higher 250/500 limits
- You may be able to save around $180 per year simply by quoting early and online
- Increasing deductibles could save up to $650 each year
- Teenagers are the costliest to insure, with premiums as much as $442 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,308 |
| 20 | $3,382 |
| 30 | $1,538 |
| 40 | $1,462 |
| 50 | $1,334 |
| 60 | $1,308 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,892 |
| $250 | $1,694 |
| $500 | $1,462 |
| $1,000 | $1,240 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,462 |
| 50/100 | $1,533 |
| 100/300 | $1,621 |
| 250/500 | $1,851 |
| 100 CSL | $1,568 |
| 300 CSL | $1,763 |
| 500 CSL | $1,905 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,620 |
| 20 | $5,384 |
| 30 | $3,258 |
| 40 | $3,174 |
| 50 | $3,024 |
| 60 | $2,998 |
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 | $80 |
| Multi-vehicle | $76 |
| Homeowner | $20 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $96 |
| Paid in Full/EFT | $72 |
| Advance Quote | $76 |
| Online Quote | $106 |
| Total Discounts | $640 |
Discounts are estimated and may not be available from every company or in every state.
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