Kia Telluride Insurance Rates

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UPDATED: May 11, 2024

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U.S. average insurance prices for a Kia Telluride are $1,432 every 12 months for full coverage. Comprehensive costs an estimated $320 a year, collision insurance costs $612, and liability is $364. Buying just liability costs around $416 a year, and insurance for high-risk drivers costs around $3,114. Teen drivers pay the highest rates at up to $5,238 a year.

Average premium for full coverage: $1,432

Price estimates broken down by individual coverage:

Comprehensive $320
Collision $612
Liability $364

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Telluride trim levels.

Price Range from Low to High

For the average 40-year-old driver, Kia Telluride insurance prices range from the cheapest price of $416 for minimum levels of liability insurance to a high of $3,114 for a high-risk insurance policy.

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

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The diagram below illustrates the difference location can make on insurance prices.

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

The ranges above show why it is important to compare rates quotes for a targeted area and their own driving history, instead of using 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 Details

The chart below shows average Kia Telluride insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $807
  • Raising to $1,000 deductibles will save approximately $1,222 a year
  • The average price for the average middle-age driver who has $500 deductibles is $1,432
  • Choosing low $100 deductibles increases the price to $1,848
  • At-risk drivers with multiple violations and an at-fault accident could pay up to $3,114
  • The price to insure a teen driver can cost as much as $5,238

View Chart as Image

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

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

Choosing high deductibles can reduce prices by up to $630 every year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $327 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 132% more than average. 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 $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,050 on average in New York, Louisiana, 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
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 Shop for Low Cost Kia Telluride Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates at least every other year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a review of the car insurance concepts touched on in this article.

  • Higher risk drivers who have several accidents or serious violations pay on average $1,680 more annually to insure a Kia Telluride
  • Drivers can save approximately $180 per year just by quoting early and online
  • Increasing physical damage deductibles could save as much as $625 each year
  • Policyholders who want increased liability limits will pay about $400 each year to raise from a low limit to a 250/500 level

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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