Kia Telluride insurance costs average $108 per month for minimum coverage and $210 monthly for full coverage. Depending on your particular trim and model year, costs can range from $77 to $279 monthly.
Kia Telluride Insurance Cost
Updated: October 1, 2025
Key Takeaways
Kia Telluride insurance costs range from $77 to $144 monthly for minimum coverage, with prices varying based on specific trim level and model year you choose.
Among all vehicles sold in the US market from 2000 to 2025, the Kia Telluride ranks 566th out of 827 for insurance affordability overall.
Travelers offers the most affordable full coverage for a Kia Telluride at $157 monthly, while minimum coverage starts at just $77 monthly.
How Much Is Kia Telluride Insurance?
| Kia Telluride | $108 | $210 |
Kia Telluride Insurance Cost by Model Year
Your Kia Telluride's model year and available trims affect insurance rates, with newer models often costing more due to higher fair value. Monthly premiums vary considerably by year, ranging from $92 to $247 depending on your vehicle's specific model year and coverage level.
| 2025 | $114 | $221 |
| 2024 | $111 | $217 |
| 2023 | $97 | $189 |
| 2022 | $127 | $247 |
| 2021 | $107 | $209 |
| 2020 | $92 | $180 |
Kia Telluride Insurance Cost by Trim
Your Kia Telluride's trim affects insurance costs based on its features, market value and replacement expenses. Monthly premiums range from $88 to $250 depending on whether you drive a base LX or premium SX-Prestige model.
| Lx | $88 | $172 |
| Ex X-Line Sport Utility 4d | $91 | $177 |
| Lx Sport Utility 4d | $91 | $177 |
| S | $94 | $183 |
| S Sport Utility 4d | $98 | $192 |
| Sx X-Pro Sport Utility 4d | $102 | $198 |
| Ex | $103 | $200 |
| Sx X-Line Sport Utility 4d | $103 | $200 |
| Sx-Prestige Sport Utility 4d | $108 | $212 |
| Ex Sport Utility 4d | $109 | $212 |
| Sx-Prestige X-Line Sport Utility 4d | $109 | $213 |
| Sx-Prestige X-Pro Sport Utility 4d | $112 | $218 |
| Sx | $112 | $218 |
| Ex X-Line | $113 | $220 |
| Sx Sport Utility 4d | $115 | $223 |
| Ex X-Pro | $116 | $226 |
| Sx X-Pro | $120 | $234 |
| Sx X-Line | $120 | $235 |
| Sx-Prestige | $123 | $240 |
| Sx-Prestige X-Line | $126 | $246 |
| Sx-Prestige X-Pro | $128 | $250 |
Compare Personalized Kia Telluride Insurance Costs
We broke down Kia Telluride insurance costs by model year and trim for accurate estimates.
Data filtered by:Results filtered by:
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Model Year:2020
Select
Trim:Lx Sport Utility 4d
| Lx Sport Utility 4d | $85 | $166 |
Kia Telluride Insurance Cost by Company
Kia Telluride insurance costs vary by provider from $129 to $277 monthly. Minimum coverage ranges from $81 to $175, while full coverage costs $157 to $396. Rates vary due to different risk assessment models.
| AAA | $127 | $263 |
| AIG | $159 | $396 |
| Allstate | $133 | $255 |
| Amica | $140 | $286 |
| Chubb | $149 | $297 |
| Farmers | $162 | $284 |
| GEICO | $81 | $176 |
| Kemper | $136 | $280 |
| Nationwide | $108 | $187 |
| Progressive | $105 | $198 |
| State Farm | $98 | $204 |
| The Hartford | $116 | $198 |
| Travelers | $85 | $157 |
| UAIC | $175 | $220 |
Kia Telluride Insurance Cost by State
Car insurance for a Kia Telluride varies widely by location, ranging from $42 monthly in Wyoming to $434 in Louisiana.
| Alabama | $90 | $172 |
| Alaska | $77 | $163 |
| Arizona | $126 | $237 |
| Arkansas | $92 | $207 |
| California | $103 | $208 |
| Colorado | $109 | $262 |
| Connecticut | $145 | $251 |
| Delaware | $147 | $248 |
| Florida | $130 | $304 |
| Georgia | $152 | $252 |
| Hawaii | $56 | $126 |
| Idaho | $57 | $118 |
| Illinois | $99 | $186 |
| Indiana | $72 | $141 |
| Iowa | $66 | $160 |
| Kansas | $80 | $189 |
| Kentucky | $134 | $228 |
| Louisiana | $205 | $434 |
| Maine | $57 | $119 |
| Maryland | $163 | $276 |
| Massachusetts | $110 | $234 |
| Michigan | $181 | $349 |
| Minnesota | $92 | $193 |
| Mississippi | $98 | $196 |
| Missouri | $141 | $283 |
| Montana | $90 | $211 |
| Nebraska | $82 | $187 |
| Nevada | $183 | $332 |
| New Hampshire | $75 | $135 |
| New Jersey | $176 | $290 |
| New Mexico | $90 | $202 |
| New York | $131 | $237 |
| North Carolina | $95 | $185 |
| North Dakota | $68 | $151 |
| Ohio | $80 | $155 |
| Oklahoma | $102 | $227 |
| Oregon | $126 | $222 |
| Pennsylvania | $99 | $233 |
| Rhode Island | $131 | $236 |
| South Carolina | $106 | $200 |
| South Dakota | $62 | $194 |
| Tennessee | $84 | $171 |
| Texas | $135 | $276 |
| Utah | $116 | $199 |
| Vermont | $52 | $124 |
| Virginia | $102 | $166 |
| Washington | $94 | $174 |
| West Virginia | $97 | $198 |
| Wisconsin | $73 | $161 |
| Wyoming | $42 | $134 |
Kia Telluride Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, heavily influences Kia Telluride insurance costs. Young drivers under 25 with clean records pay around $403 monthly, while adults aged 26-64 without violations pay as little as $159 per month.
| Adult Drivers | $108 | $210 |
| Young Drivers | $275 | $531 |
| Senior Drivers | $144 | $265 |
| Drivers With a Speeding Ticket | $134 | $264 |
| Drivers With an Accident | $159 | $308 |
| Drivers With a DUI | $201 | $386 |
| Drivers With Bad Credit | $258 | $521 |
Is a Kia Telluride Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Kia Telluride ranks 566th out of 827, making it one of the more expensive cars to insure. Among midsize crossover SUVs, the model ranks 20th out of 21.
| Suzuki XL-7 | $68 | $130 |
| Pontiac Torrent | $72 | $139 |
| Jeep Commander | $74 | $141 |
| Pontiac Aztek | $73 | $141 |
| Mazda CX-7 | $73 | $141 |
| Dodge Journey | $73 | $141 |
| Nissan Murano | $78 | $151 |
| Volkswagen Tourareg | $83 | $160 |
| Subaru Tribeca | $85 | $163 |
| Hyundai Santa Fe | $88 | $170 |
| Chevrolet Blazer | $89 | $172 |
| Toyota Highlander | $90 | $175 |
| Toyota Venza | $92 | $179 |
| Mazda CX-9 | $93 | $179 |
| Subaru Ascent | $94 | $182 |
| Mitsubishi Endeavor | $96 | $185 |
| Kia EV9 | $100 | $195 |
| Honda Prologue | $100 | $196 |
| Vinfast VF-8 | $107 | $209 |
| Kia Telluride | $108 | $210 |
| Hyundai Ioniq 9 | $109 | $214 |
Factors That Affect Kia Car Insurance Costs
Several factors affect what you'll pay for Kia Telluride insurance coverage:
- Age (35 to 45 median): Primary buyers are established millennials and younger Gen-X families in their prime child-rearing years, representing lower-risk mature drivers who benefit from favorable insurance rates.
- Gender (50% male, 50% female): The Telluride shows balanced gender appeal typical of family-focused SUVs, with many households purchasing as joint decisions for family transportation needs.
- Income ($60,000 to $80,000): Target demographic represents middle-class households seeking premium features at mainstream prices, with stable employment and good credit profiles that generally correlate with lower insurance premiums.
Average Repair or Replacement Costs
Kia ranks 5th in repair affordability among 59 U.S. automakers with median annual costs of $612. Kia Telluride repair costs average $980 annually, making it Kia's third-most expensive model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The 2025 Kia Telluride offers an extensive range of ten trim levels, from the base LX starting around $36,000 to the premium SX Prestige X-Pro approaching $54,000. All trims feature the same robust 3.8-liter V6 engine producing 291 horsepower and 262 lb-ft of torque, paired with an eight-speed automatic transmission. Higher trims' luxury features and technology packages create increased theft appeal and replacement costs, directly impacting insurance premiums.
Fuel Type
The Kia Telluride uses regular unleaded gasoline across all trim levels, running on the reliable 3.8-liter Lambda II V6 engine with Atkinson cycle technology for improved efficiency. Fuel economy varies by drivetrain configuration: front-wheel drive models achieve 20 city/26 highway mpg, while all-wheel drive variants see slightly lower ratings of 18 city/23 highway mpg.
The use of regular gasoline (rather than premium) helps keep operating costs manageable for families, and the widespread availability of conventional fuel maintains predictable maintenance expenses. Unlike some competitors moving toward hybrid powertrains, the Telluride's traditional gasoline engine provides proven reliability but doesn't qualify for potential insurance discounts sometimes offered for hybrid or electric vehicles.
Location
Kia Telluride ownership concentrates heavily in family-oriented suburban and metropolitan areas nationwide, reflecting its position as a practical three-row family SUV. The vehicle appeals particularly to growing families in suburban communities seeking space, value, and modern features. Strong sales patterns emerge in states with expanding populations and young families, including Texas, Florida, California, and the Southeast region.
Driver Profile
Kia Telluride buyers represent mainstream American families seeking practical luxury and exceptional value in a three-row SUV. The demographic profile centers on middle-class households prioritizing space, safety, and features over luxury brand prestige. This buyer group typically includes parents with multiple children who need the functionality of three rows but want premium amenities at accessible pricing.
Cheapest Kia Telluride Insurance Companies
When shopping for Telluride car insurance, Travelers offers the most affordable full coverage with monthly premiums averaging $157. For drivers who only need minimum coverage, GEICO provides the cheapest option at $81 per month.
| Travelers | $85 | $157 |
| GEICO | $81 | $176 |
| Nationwide | $108 | $187 |
| Progressive | $105 | $198 |
| State Farm | $98 | $204 |
Cheapest Kia Telluride Insurance by State
Our research found the top three cheapest car insurance providers for a Kia Telluride:
- Travelers: Wins for affordability in 18 states
- GEICO: Wins for affordability in 10 states
- American National: Wins for affordability in four states
Filter below to see who offers the most affordable auto insurance rates for your Kia Telluride.
Data filtered by:Results filtered by:
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State:Alabama
| Alabama | Travelers | $69 |
How to Get the Best Cheap Kia Telluride Insurance
Below we break down the best way to buy car insurance for your Kia Telluride:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Kia's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and with another provider. After this, you can look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Kia Telluride, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for helps you get the cheapest rate possible. The five discounts below are the most likely we found that Kia Telluride owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Telluride buyers' middle-class household income of $58,000 to $80,000 typically means multiple vehicles per family, qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): As a family-focused SUV, Telluride owners often own homes and can bundle auto and home insurance for substantial savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): Telluride's family-oriented demographic (average age 39) results in responsible driving records that qualify them for good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): The Telluride's IIHS Top Safety Pick+ award for three consecutive years and standard auto emergency braking with pedestrian detection help you avoid crashes. Lots of insurance companies will reduce your premiums.
- Young Driver/Good Student Discount (5% to 20% savings): With Kia targeting younger families and millennials, Telluride households often have teen drivers who can qualify for good student discounts and driver training course savings from insurers like State Farm and GEICO.
- 5
Consider alternative car insurance types
Kia Telluride owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Kia Telluride insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Kia Telluride Insurance Cost: Bottom Line
Insuring a Kia Telluride costs more than average. Shop multiple companies, explore available discounts and evaluate different coverage options to secure competitive rates.
Kia Telluride Insurance Rates: FAQ
Here are answers to common questions about insuring a Kia Telluride.
What is the average cost of car insurance for a Kia Telluride?
The Kia Telluride's average annual insurance cost is $1,293 annually for state minimum coverage and $2,520 for full coverage.
What company has the cheapest car insurance for a Kia Telluride?
When shopping for Telluride car insurance, Travelers offers the most affordable full coverage with monthly premiums averaging $157. For drivers who only need minimum coverage, GEICO provides the cheapest option at $81 per month.
Are Kia Tellurides expensive to insure?
Yes, Kia Telluride insurance costs more than most cars. Out of 827 vehicles we track, the Telluride ranks 566th for affordability. Among midsize crossover SUVs, this model sits at 20th out of 21.
What factors affect insurance costs for Kia Tellurides?
Several factors affect your Kia Telluride insurance rates, including your driving record, credit score, and the coverage level you choose. The Telluride's three-row SUV classification and repair costs for advanced safety systems impact premiums. Areas with higher theft rates or weather-related risks result in increased premiums.
How can I lower Kia Telluride insurance costs?
Shop around with multiple insurers as rates vary for Kias, and consider usage-based insurance programs that track your driving habits. Take advantage of Kia's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Kia Telluride Insurance Costs
We studied hundreds of millions of quote estimates across all vehicle models sold in the U.S. from 2000 to 2025 to get you the most accurate Kia Telluride insurance costs.
Who We Based These Rates On
These Kia Telluride prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.