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 $1,462 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $332, collision insurance costs $640, and liability insurance is $354. Liability-only insurance costs around $406 a year, and high-risk driver insurance costs $3,174 or more. Teenage drivers cost the most to insure at up to $5,308 a year.
Average premium for full coverage: $1,462
Policy rates by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Telluride trim levels.
Price Range Variability
For a 40-year-old driver, Kia Telluride insurance rates range from the cheapest price of $406 for basic liability insurance to a much higher rate of $3,174 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how your location can change auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than relying 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.
Rate Comparisons
The chart below illustrates average Kia Telluride insurance rates for additional coverage and risk scenarios.
- The best discount rate is $822
- Raising to $1,000 deductibles will save $222 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,462
- Using more expensive low deductibles costs an extra $430 a year
- Higher-risk drivers who are prone to accidents and violations could pay around $3,174
- Policy cost to insure a teen driver with full coverage can cost $5,308
Auto insurance rates for a Kia Telluride also range considerably based on liability limits and deductibles, your risk profile, and the model of your Telluride.
Using high physical damage deductibles can reduce rates by up to $660 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $5,300 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 probably paying anywhere from $1,700 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Kia Telluride insurance rates. A middle-age driver might find rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,970 on average in Florida, New York, and Michigan.
| 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% |
| 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 Shop for the Best Kia Telluride Insurance
Finding cheaper rates on Kia Telluride insurance consists of having a decent driving record, having a good credit score, being claim-free, and possibly higher deductibles. Invest the time to shop around every time your policy renews by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The following items are a brief recap of the information illustrated above.
- It is possible to save around $180 per year just by shopping early and online
- 16 to 18-year-old drivers have the highest car insurance rates, possibly costing $442 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save as much as $650 each year
- High-risk drivers who tend to receive serious violations may have to pay on average $1,710 more per year than a driver with a clean driving record
- Drivers who purchase additional liability coverage will pay an extra $390 annually to raise from a 30/60 limit to a 250/500 level
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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