Kia Telluride Insurance Rates
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UPDATED: May 11, 2024
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The average auto insurance rates for a Kia Telluride are $1,432 annually including full coverage. Comprehensive costs around $320 each year, collision costs $612, and liability costs around $364. Liability-only insurance costs as low as $416 a year, with high-risk driver insurance costing around $3,114. 16-year-old drivers cost the most to insure at $5,238 a year or more.
Average premium for full coverage: $1,432
Policy rates for type of insurance:
These estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Telluride models.
Price Range Variability
For the average driver, Kia Telluride insurance rates go from as cheap as $416 for your basic liability-only policy to a high rate of $3,114 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than congested cities.
The graphic below illustrates how location impacts auto insurance rates.
The examples above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of 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.
More Rate Information
The chart below breaks down estimated Kia Telluride insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $807
- Using higher $1,000 deductibles will save about $210 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,432
- Buying low deductibles for physical damage coverage will cost $1,848
- Drivers with multiple tickets or accidents could pay at least $3,114 or more
- Policy cost with full coverage for a teen driver can be $5,238 or more
Auto insurance rates for a Kia Telluride also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $630 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $327 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Kia Telluride insurance prices. A driver around age 40 might see rates as low as $1,100 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,050 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted rates will be varied between companies.
| 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 Buy Cheap Kia Telluride Insurance
Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The items below are a brief summary of the data that was touched on above.
- You may be able to save up to $180 per year simply by quoting online in advance
- Policyholders who may need more liability coverage will pay around $400 per year to increase from a 30/60 limit to higher 250/500 limits
- Teen drivers are expensive to insure, with premiums being up to $437 each month if full coverage is included
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,680 more every year to insure their Telluride
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,848 |
| $250 | $1,654 |
| $500 | $1,432 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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