Kia Telluride Insurance Rates

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UPDATED: May 11, 2024

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The average insurance rates for a Kia Telluride are $1,432 a year including full coverage. Comprehensive insurance costs an estimated $320 each year, collision insurance costs $612, and liability insurance is estimated at $364. Liability-only insurance costs approximately $416 a year, and high-risk driver insurance costs $3,114 or more. Teen drivers cost the most to insure at up to $5,238 a year.

Average premium for full coverage: $1,432

Policy rates broken down by type of insurance:

Comprehensive $320
Collision $612
Liability $364

Prices include $500 policy 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 average 40-year-old driver, Kia Telluride insurance rates range from the low end price of $416 for the bare minimum liability coverage to a high rate of $3,114 for high-risk insurance.

Liability Only $416
Full Coverage $1,432
High Risk $3,114

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $1,074
Small Cities $1,504
Large Cities $1,933

The examples above highlight why all drivers should get quotes for a targeted area, 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 other coverage scenarios.

  • The lowest rate with discounts is $807
  • Choosing higher $1,000 deductibles can save approximately $210 every year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,432
  • Choosing low deductibles for comp and collision coverage will cost an additional $416 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,114
  • Policy cost that insures a teen driver can cost as much as $5,238 each year

View Chart as Image

Kia Telluride insurance cost comparison chart
Column chart showing Kia Telluride insurance prices range from $807 to $5,238 for full coverage

Auto insurance rates for a Kia Telluride also range considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 132% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Kia Telluride insurance rates. A good driver about age 40 could pay as low as $1,100 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,050 on average in Louisiana, New York, and Michigan.

Kia Telluride Insurance Rates by State
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%

View Chart as Image

Kia Telluride insurance rates by U.S. city

Choosing high deductibles can save as much as $630 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit

Kia Telluride Insurance Rates by Model Year
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 Find the Right Kia Telluride Insurance

Finding cheaper rates on Kia Telluride insurance takes avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Shop around every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a quick rundown of the material that was touched on in this article.

  • Drivers who want increased liability limits will pay about $400 per year to raise limits from a 30/60 limit to the 250/500 level
  • Drivers under the age of 20 are the costliest to insure, with premiums being up to $437 each month if the policy includes full coverage
  • High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,680 more annually to insure a Kia Telluride
  • Increasing comprehensive and collision deductibles can save approximately $625 each year

Rates by Driver Age

Kia Telluride Insurance 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

Kia Telluride Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,848
$250 $1,654
$500 $1,432
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Kia Telluride Insurance Rates with Different Liability Limits
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

Kia Telluride Insurance 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.

SR-22 Surcharge $204

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
Rate after discounts $807

Discounts are estimated and may not be available from every company or in every state.

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