Kia Telluride Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
UPDATED: May 11, 2024
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The average insurance rates for a Kia Telluride are $1,432 a year for full coverage. Comprehensive insurance costs an estimated $320, collision costs $612, and liability coverage is estimated at $364. Liability-only coverage costs approximately $416 a year, with high-risk coverage costing $3,114 or more. 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 broken down by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Telluride trim levels.
Price Range Variability
For an average driver, Kia Telluride insurance rates go from the low end price of $416 for a discount liability-only rate to a much higher rate of $3,114 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities.
The price range example below illustrates the effect of geographic area on insurance prices.
The examples above show why anyone shopping for car insurance should get quotes for a targeted area, rather than 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.
Rates by State, City, and Model
The chart below shows estimated Kia Telluride insurance rates for other coverage scenarios.
- The best full coverage rate is $807
- Choosing higher $1,000 deductibles can save approximately $210 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,432
- Buying more expensive low deductibles for comp and collision coverage will cost an additional $416 each year
- Drivers with multiple tickets or accidents could pay up to $3,114 or more
- Policy cost that insures a teenage driver with full coverage can cost as much as $5,238 each year
Insurance rates for a Kia Telluride also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges around 44% to 132% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared 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 $950 a year in states like Iowa, Maine, and Idaho, or at least $2,050 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $630 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $327 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and rates will be varied.
| 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 Best Kia Telluride Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop at every policy renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The list below is a brief recap of the data covered in the above illustrations.
- Consumers who want higher liability limits will pay around $400 each year to raise limits from a 30/60 limit to the 250/500 level
- Drivers can save approximately $180 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $625 each year
- Teenagers are expensive to insure, costing up to $437 each month if comprehensive and collision insurance is included
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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