+120 more)
)
Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
)
)
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The Kia Telluride’s spacious cabin, sleek design, and stellar safety ratings make it a great choice for families, according to the National Highway Traffic Safety Administration. It doesn’t hurt that its insurance costs are on par with what you can expect to pay to insure other vehicles.
Telluride drivers pay an average of $104 per month for basic liability coverage and $195 for full coverage, according to Compare.com data. But your actual rate will depend on various risk factors such as your driving history, location, model year, credit history, and insurance company.
Here’s what you should know before shopping for car insurance for your Telluride.
GEICO, Safeco, and Root offer some of the best coverage for Telluride owners.
Telluride drivers in Delaware pay some of the highest insurance rates, while drivers in Nevada pay the lowest.
Opting for a less expensive trim, skipping all-wheel drive, and asking about discounts can help you save on your Telluride coverage.
The coverage level you choose will significantly affect your Kia Telluride insurance premiums. Liability-only policies offer the lowest rates but provide limited protection, covering only the other driver’s damages and injuries in accidents you cause.
For broader financial protection, full coverage combines liability with collision coverage and comprehensive coverage to safeguard your Telluride against various risks. Lenders typically require this enhanced coverage if you’re financing or leasing your vehicle.[1]
Below, you’ll find typical monthly premiums for both coverage options and see how Telluride rates compare against nationwide averages, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Kia Telluride | $104 | $195 | $149 |
| All vehicles | $108 | $190 | $149 |
Telluride owners can expect average monthly premiums of approximately $104 for minimum insurance coverage and $195 for comprehensive protection — rates that are roughly the same as the national average for all vehicles. In the following section, we’ll explore the most budget-friendly insurers for your Telluride.mo
Comparing personalized quotes is the only way to find the best coverage.
Even with standard Telluride insurance rates, multiple strategies can help reduce your premiums. Shopping around and getting quotes from various insurers remains one of the most effective ways to find better rates.
The following table shows the cheapest insurance companies for Kia Telluride coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mercury | $108 |
| Safeco | $117 |
| Root | $119 |
| National General | $121 |
| GEICO | $123 |
| Direct Auto | $127 |
| Liberty Mutual | $156 |
| The General | $162 |
Mercury offers the lowest Telluride insurance rates, at $108 per month. But the best insurer for you depends on personal factors like driving record and location, making comparison shopping essential before selecting coverage.
Next, we’ll look at which companies offer the best value across different policy types.
Every driver has unique needs, so it’s crucial to compare rates before choosing coverage for your Kia Telluride. What works perfectly for one person — whether in terms of price, coverage options, or service quality — may fall short for someone else’s specific requirements.
We’ve analyzed insurance companies and found three that Telluride owners should consider based on pricing, discounts, customer satisfaction scores, and coverage offerings. Check them out to streamline your decision-making process.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $135/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Budget-minded Kia Telluride drivers often gravitate toward GEICO's comprehensive discount list. Whether you’re looking to bundle policies, opt for electronic billing, or complete driver education courses, GEICO provides numerous opportunities to save.
The company also stands out by offering mechanical breakdown insurance, which provides valuable protection that extends beyond typical manufacturer warranties. But the company comes up short regarding claims satisfaction, and most policy management occurs without local agent support.
Many discount opportunities
Available nationwide
Optional mechanical breakdown protection
Poor claims satisfaction rating[2]
Gap coverage not available
Minimal local agent presence
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $87/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco provides reasonable pricing for Kia Telluride drivers while excelling at rewarding customer loyalty. Long-term customers can qualify for accident forgiveness and gradually reduce their deductibles by up to $500 simply by maintaining a clean claims record.
Additionally, Safeco returns 2.5% of your premium every six months you go without a claim. But you can’t get quotes or purchase coverage entirely online, and the company doesn’t operate in every state.
Rewards for customer retention
Premium refunds for claims-free periods
Full vehicle replacement coverage for newer cars
Few discounts available
Must speak with agent for quote
Coverage available in only 35 states
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $94/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $148/mo |
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
Root may be a good choice for Kia Telluride owners with excellent driving records. Rather than basing rates purely on your credit or past driving incidents, Root’s smartphone technology monitors your actual driving patterns, including acceleration, turning habits, and device usage, to create personalized pricing.
The downside is their extended assessment period, which can stretch up to a month. Though you’re not locked into purchasing during this time, waiting that long just to learn your eligibility and receive an accurate quote can be inconvenient.
Affordable rates for Telluride owners
Efficient claims handling
Strong customer reviews on Trustpilot[3]
No physical office locations
Month-long evaluation period
Limited state availability
Comparing quotes can save you up to $867.†
Your Kia Telluride’s model year influences your insurance premiums. Generally, earlier versions have lower rates due to reduced repair and replacement costs.[4]
Below are typical insurance premiums for Telluride owners by vehicle year, according to Compare.com data.
Telluride Model Year | Average Monthly Premium |
|---|---|
| 2025 | $155 |
| 2024 | $151 |
| 2023 | $144 |
| 2022 | $146 |
| 2021 | $145 |
| 2020 | $153 |
Your geographic location significantly affects your auto insurance premiums. The following breakdown shows how typical rates differ across various states.
Several local factors can drive up or down your Kia Telluride insurance costs, including things like repair costs in your area, the frequency of accidents, your state’s regulations, and even weather patterns.
Your rates can change just by moving to a different ZIP code, which is why Telluride insurance prices vary so much from state to state. The map below shows what Kia Telluride drivers typically pay each month across different states, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $102 |
| Arizona | $148 |
| Arkansas | $134 |
| California | $164 |
| Colorado | $158 |
| Connecticut | $259 |
| Delaware | $286 |
| Florida | $212 |
| Georgia | $193 |
| Idaho | $215 |
| Illinois | $88 |
| Indiana | $92 |
| Iowa | $126 |
| Kansas | $108 |
| Kentucky | $119 |
| Louisiana | $168 |
| Maine | $179 |
| Maryland | $132 |
| Massachusetts | $269 |
| Michigan | $116 |
| Minnesota | $205 |
| Mississippi | $144 |
| Missouri | $145 |
| Montana | $118 |
| Nebraska | $115 |
| Nevada | $77 |
| New Hampshire | $103 |
| New Jersey | $119 |
| New Mexico | $81 |
| New York | $190 |
| North Carolina | $110 |
| North Dakota | $227 |
| Ohio | $273 |
| Oklahoma | $101 |
| Oregon | $136 |
| Pennsylvania | $129 |
| Rhode Island | $134 |
| South Carolina | $183 |
| South Dakota | $218 |
| Tennessee | $97 |
| Texas | $110 |
| Utah | $181 |
| Vermont | $137 |
| Virginia | $155 |
| Washington | $106 |
| District of Columbia | $136 |
| West Virginia | $97 |
| Wisconsin | $120 |
| Wyoming | $85 |
How old you are can make a huge difference in your car insurance costs. Coming up, we’ll show you how premiums usually shift as you age and get more experience on the road.
Your age can really push your Telluride rates higher or lower. Teens and young adults usually get hit with much steeper rates because they have less driving experience and are more likely to cause car accidents.[5]
Check out the breakdown below showing typical monthly insurance premiums for Telluride drivers across different age groups, according to our data.
Teen drivers get slammed with the highest insurance rates, paying more than twice what adults pay, on average. Insurance costs usually drop as you get more experience behind the wheel, but they might start climbing again once you reach your 70s because of other risk factors.
You can’t control everything that affects your car insurance rates, but keeping a clean driver profile can really help bring down your premium. If you start piling up violations like speeding tickets, at-fault accidents, or driving under the influence (DUI), your insurance company will likely see you as a bigger risk and increase your rates.
Here’s how different driving records affect your Kia Telluride insurance costs, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $195 |
| Speeding ticket | $271 |
| At-fault accident | $282 |
| DUI | $321 |
Speeding tickets and accidents in which you’re at fault can really bump up your insurance costs, but a DUI usually hits your wallet the hardest. For Kia Telluride drivers, getting a DUI can easily increase premiums by around $126 per month.
)
Certain Kia Telluride features can also affect your insurance premiums, either lowering costs with enhanced safety or increasing them due to higher replacement values.
Advanced driver assistance technology: The Telluride is loaded with safety features that many insurers reward with discounts, including highway drive assist, blind-spot collision warning, automatic emergency braking, and smart cruise control with stop-and-go capability.
Premium trim levels: Higher trims like the SX and SX Prestige come with luxury features such as Harman Kardon premium audio, dual sunroofs, 20-inch wheels, and leather seats. These features can increase the vehicle’s value and replacement costs, potentially raising premiums.
All-wheel drive system: Opting for AWD capability adds complexity and cost to repairs compared to the standard front-wheel drive setup, which insurance companies factor into your rates due to the higher expense of replacing drivetrain components.
)
If you’re looking to maximize your savings on Kia Telluride car insurance, here are a few tips to help:
Choose the LX or S trim level. The Telluride offers multiple trim options, from the base LX to the premium SX Prestige. Sticking with lower trim levels means fewer luxury features and technology to repair or replace, which keeps your premiums down.
Consider skipping all-wheel drive. While AWD enhances capability, the standard front-wheel drive system is cheaper to insure due to simpler mechanics and lower repair costs when drivetrain components need replacement.
Take advantage of safety discounts. Make sure your insurer knows about the Telluride’s comprehensive safety features, which may help you qualify for premium discounts.
Avoid aftermarket modifications. Adding roof racks, performance upgrades, or custom wheels to your Telluride can increase premiums or complicate claims, since standard policies don’t cover these modifications.
Compare quotes regularly. Insurance prices vary significantly by company, so shop around regularly to ensure you’re getting the best rate for your Telluride coverage.
Get personalized quotes for your Kia Telluride.
Here are some answers to common questions about Kia Telluride car insurance.
No. Kia Telluride insurance costs align closely with typical rates across all vehicle types in the U.S., according to our data. Telluride drivers spend an average of $104 monthly for minimum coverage and $195 monthly for full coverage, while the nationwide averages for all vehicles are $108 and $190, respectively.
Our research found that Mercury Insurance offers the cheapest average premiums for Kia Telluride coverage, at $108 per month. But since each driver’s circumstances are unique, it’s a good idea to get quotes from multiple insurers before making your decision.
Typical monthly costs for insuring a 2025 Kia Telluride average $155, according to Compare.com data. Your specific premium will vary based on where you live, your driving record, chosen coverage options, and your personal circumstances.
The Soul is the most affordable Kia model to insure, at an average of $135 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
