Kia Telluride Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• The Kia Telluride costs about the same as most other SUVs to insure.

• Full coverage car insurance for a Telluride tends to be around $156 monthly, on average, while liability only insurance generally comes in at about $76.

• Hugo is the cheapest auto insurance carrier for a Telluride.

Telluride Overview

The Kia Telluride is a great budget-friendly SUV for drivers of all types, with base prices starting at just $32,790 for 2022 models. You'll have your choice of four different trim levels, so every driver can find an option to match their style.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've determined that average Kia Telluride auto insurance rates run around $141 per month. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Kia Telluride?

You'll see in the table above that insurance prices for a Kia Telluride are about average compared to other vehicles on the road. Telluride owners normally pay around $156 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $76 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference).

When compared to other models, the Telluride is slightly cheaper, with premiums about 8% lower than other vehicles in Kia's lineup. But Telluride coverage runs close to average when compared to other vehicles of a similar body style, with liability insurance prices $5 cheaper than other SUVs and full coverage insurance rates coming in $4 higher.

The Kia Telluride also has average premiums when comparing it to vehicles of any body type, no matter what make, model, or body style they are.

Who has the Cheapest Car Insurance for a Kia Telluride?

Looking for an auto insurance policy for your Kia Telluride? You're likely wondering which company offers the lowest rates. While there will never be one carrier that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $30 a month from Shelter Mutual. The next most affordable company is Freedom, who offers car insurance as cheap as just $33 per month.

Finishing off the rest of the top 5 are Elephant, Clearcover, and SafeAuto. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Kia Telluride.

After all, insurance carriers look at a bunch of different factors when calculating rates, so your results might be different. By checking quotes from lots of auto insurance companies at once, you can guarantee you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Kia Telluride?

There are a lot of things that car insurance carriers examine to choose how much to charge you -- and every carrier weighs certain pieces more than others, so there's not a single company that's the most affordable for each driver.

The following sections show numerous variables auto insurance companies use to calculate rates:

Vehicle Age

The Kia Telluride has only been around for one model year, which means vehicle age won't come into play the same way it might for other vehicles. Normally, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.

As you can see in the information above, Telluride rates are $76 a month, on average.

Your Age

Age is another variable that plays a role in how much insurance carriers will charge. Because the Kia Telluride is pretty new to the market, we're just starting to collect data on how age is affecting car insurance prices. So far, based on the table above, drivers with more experience have less expensive premiums than drivers who are under 24. Kia Telluride drivers who are 18 to 24 actually pay $21 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with drivers aged 65 years and older making up the cheapest age group for the Telluride.

Your Gender

Because women are less likely to get tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, insurance companies will often charge women less than men. The Kia Telluride is no different, and men pay around 40% more than women monthly for insurance.

Where You Live

It may be obvious that things like what vehicle you drive and how old you are play a role in your car insurance prices, but you may not realize that where you live is just as important. Because auto insurance is regulated on the state level rather than nationally, premiums change quite a bit depending on what state you live in.

Because the Telluride is a relatively new vehicle, our state data is somewhat limited. Even so, you can see in the table above that New York has rates that are more expensive than any other state.

Kia Telluride Car Insurance Discounts

No matter what vehicle you drive, how old you are, or what state you live in, using as many discounts as possible when it comes to your car insurance is always important when shopping around for a policy.

While no two auto insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-car discounts for adding more than one vehicle to your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Multi-policy discounts for getting both your home and auto policies from the same carrier

While discounts are always a good way to save money on your insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Of course, you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), but you can influence some of it. Below are just a few of the ones you can use to your advantage in order to save on car insurance:

Your Driving Record

It's no secret that insurance companies offer the cheapest rates to drivers with a history of responsible driving. And you're probably not surprised to hear that your auto insurance premiums will increase if you get into an accident or get a speeding ticket. But exactly how much is it going to cost you for these infractions?

Unfortunately, we don't have enough data on file for Kia Telluride drivers specifically, since it is a relatively new SUV. However, we'll have a better idea of how much infractions will cost Telluride drivers when it comes to car insurance as we see more and more of these on the road.

How Much You Drive

The total amount of miles you drive annually affects your insurance rates. Those who drive less often are less likely to get into accidents, so they'll usually end up spending less on auto insurance. Since the Kia Telluride is a new SUV, our data is relatively limited, so we don't yet know how much annual driving distance will affect prices. So far, drivers who travel 5,001 - 7,500 miles every year are offered the most affordable rates.

But if you drive less often than the average driver or work from home, you might consider choosing a usage-based or pay-per-mile car insurance policy. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Kia Tellurides Compare to Other Vehicles?

If you're considering making a Kia Telluride your next SUV, it might be helpful to do your homework. Insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth considering carefully.

Review the table below to see how the Kia Telluride compares:

Overall, the Kia Telluride has an MSRP that's on par with the going rate for a new vehicle. The national average vehicle price is $42,283, and the Telluride comes in close to that at $32,790.

Although the purchase price is right in the middle of the spectrum, insurance rates are slightly lower when compared to other vehicles on the market. Full coverage insurance for a Kia Telluride is about $30 a month cheaper than average, while liability only coverage is $2 cheaper per month.

When it comes to usage, Kia Telluride drivers are far from the national average in annual miles driven, with 11,660 miles for all vehicles per year compared to the Telluride's 9,348 each year.

Kia Telluride Car Insurance Costs by Model Year

So far, you've seen how different factors have an impact on how much the average driver pays to insure a Kia Telluride. But if you're considering purchasing a new Telluride, knowing what you can expect to pay can be helpful as you consider your options.

For this reason, we've crunched the numbers and broken down Kia Telluride car insurance premiums by model year. Simply find the model year you want in the dropdown to see average rates for both liability only and full coverage options, as well as some other helpful info, like which trim levels are offered, who offers the lowest policies, and the base MSRP for each Telluride model year.

2022 Kia Telluride Car Insurance

2022 Telluride drivers can expect to pay an average of $79 monthly for liability or $139 for full coverage.

Esurance offered the cheapest policy we found, with rates as cheap as $50 per month.

While these are good estimates of what the average driver might pay to insure a 2022 Kia Telluride, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2021 Kia Telluride Car Insurance

You can expect full coverage for a 2021 Kia Telluride to run around $132 a month, while liability only coverage will average about $56 per month.

With rates sometimes as low as $29 a month, Safeco offered the lowest policy we found.

Want to know just how much you'll pay? Just enter your ZIP code below to get a variety of free personalized quotes.

2020 Kia Telluride Car Insurance

It costs around $111 monthly for liability or $193 for a full coverage policy for the 2020 Telluride.

With premiums as little as just $33 a month, Freedom offered the most affordable policy we found for the 2020 Kia Telluride.

If you want to find the best prices for insurance for a 2020 Kia Telluride, enter your ZIP code below and compare a variety of personalized quotes in just a few minutes.

Kia Telluride Insurance FAQs

Is a Kia Telluride expensive to insure?

Liability insurance runs an average of $76 per month, while full coverage will cost you around $156. When compared to the national average of all vehicles, the cost of auto insurance is about on par with the cost of insuring the average vehicle.

How can I get the best price on car insurance for my Kia Telluride?

There's only one way to guarantee you're getting the cheapest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a wide array of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Kia Telluride affect my insurance premiums?

You might have heard that it costs more to insure red cars than silver or white ones, but that's simply not true. There are several variables car insurance companies consider when they calculate your prices, but the color of your Telluride is not on that list.

Do I need to have insurance before I buy a Kia Telluride?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but your best bet is letting your insurance company know ahead of time.

What car insurance discounts can I get for my Kia Telluride?

There are a wide array of discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your vehicle and more on you, but if your Telluride has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The best way to find out is to talk with your insurance agent and ask about their list of discounts.