Kia Telluride Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2024

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U.S. average insurance prices for a Kia Telluride are $1,462 every 12 months with full coverage. Comprehensive insurance costs around $332 a year, collision costs $640, and liability is $354. A policy with just liability insurance costs around $406 a year, with coverage for high-risk drivers costing $3,174 or more. Teens pay the highest rates at $5,308 a year or more.

Average premium for full coverage: $1,462

Price estimates for individual coverage:

Comprehensive $332
Collision $640
Liability $354

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Telluride trim levels.

Price Range from Low to High

For the average 40-year-old driver, Kia Telluride insurance prices go from the cheapest price of $406 for basic liability insurance to a high of $3,174 for a policy for a high-risk driver.

Liability Only $406
Full Coverage $1,462
High Risk $3,174

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,097
Small Cities $1,535
Large Cities $1,974

The ranges above demonstrate why it is important to compare rates quotes for a specific zip code and their own driving history, instead of making a decision based 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.

Rate Comparisons

The chart below details estimated Kia Telluride insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $822
  • Raising to $1,000 deductibles will save about $1,240 annually
  • The average price for the average middle-age driver using $500 deductibles is $1,462
  • Selecting low $100 deductibles costs an extra $430 annually
  • Drivers with serious driving violations could pay at least $3,174 or more
  • The price to insure a 16-year-old driver can be $5,308

View Chart as Image

Kia Telluride insurance cost comparison chart
Column chart showing full coverage Kia Telluride insurance prices range from $822 to $5,308

Insurance prices for a Kia Telluride are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $660 annually, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 130% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Kia Telluride insurance prices. A middle-age driver might find prices as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,970 on average in Florida, Michigan, and New York.

Kia Telluride Insurance Rates by State
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%

View Chart as Image

Kia Telluride insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to get quotes from multiple companies. Every auto insurance company calculates prices differently, so the prices may be quite different.

Kia Telluride Insurance Rates by Model Year
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 Right Kia Telluride Insurance

Getting lower rates on insurance for a Kia Telluride consists of having a decent driving record, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a quick rundown of the coverage data touched on in this article.

  • You may be able to save up to $180 per year simply by quoting early and online
  • Increasing physical damage deductibles could save as much as $650 each year
  • 16 to 18-year-old drivers pay higher prices, costing up to $442 a month if they have full coverage
  • Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,710 more every year than a driver with a clean driving record

Rates by Driver Age

Kia Telluride Insurance 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

Kia Telluride Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,892
$250 $1,694
$500 $1,462
$1,000 $1,240

Full coverage, driver age 40

Rates by Liability Limit

Kia Telluride Insurance Rates with Different Liability Limits
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

Kia Telluride Insurance 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.

SR-22 Surcharge $208

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
Rate after discounts $822

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

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