Insurance costs for a Kia Telluride average $210 monthly for full coverage and $108 for minimum coverage. Trim level and model year affect pricing, with costs ranging from $88 to $250 monthly.
Kia Telluride Insurance Cost
Updated: May 26, 2026
Key Takeaways
Travelers offers the most affordable Kia Telluride insurance on average, though full coverage costs vary by model year and company around the $210 monthly average. Read more.
The Telluride ranks 162nd out of 256 SUVs for insurance affordability, placing it in the higher-cost tier. SUVs tend to cost more to insure due to elevated repair costs and theft risk. Read more.
Teen drivers on your policy make model year even more important when comparing Telluride insurance rates. Read MoneyGeek's analysis of rates by company for specific Telluride model years depending on the age of the drivers.
How Much Is Kia Telluride Insurance?
| Kia Telluride | $108 | $210 |
Looking for another Kia model? Read more about the cost of Kia car insurance models.
Kia Telluride premiums range from $78 a month for older models to $324 for the newest. Newer vehicles cost more to insure because their market value is higher. Older models are cheaper because depreciation lowers what an insurer would pay to replace them.
Rates vary by model year and insurer. GEICO is cheapest for the Kia Telluride at $179 a month for full coverage and $83 for minimum. AIG charges the most for full at $505 and UAIC the most for minimum at $207.
Telluride owners can cut costs by comparing quotes: minimum coverage varies by more than $94 and full coverage by more than $239 between insurers. Each company calculates risk differently for the Telluride, which affects your final quote.
| AAA | $152 | $316 |
| AIG | $200 | $505 |
| Allstate | $162 | $316 |
| Amica | $169 | $346 |
| Chubb | $195 | $388 |
| Farmers | $200 | $354 |
| Geico | $83 | $179 |
| Kemper | $137 | $274 |
| Nationwide | $184 | $318 |
| Progressive | $160 | $301 |
| State Farm | $130 | $270 |
| The Hartford | $137 | $233 |
| Travelers | $141 | $262 |
| UAIC | $207 | $260 |
Is Kia Telluride Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Kia Telluride ranking 162nd for insurance affordability. The Telluride sits in the lower-cost half of SUV models for insurance costs, between the slightly cheaper Hyundai Palisade and the marginally pricier BMW X2.
Among all 827 vehicles in MoneyGeek's database, the Kia Telluride ranks 566th for insurance affordability. The Isuzu Amigo is the cheapest SUV to insure, while the Audi SQ8 e-tron has the highest premiums among SUVs.
| Volvo XC40 | $157 | 159 |
| VinFast VF-8 | $158 | 160 |
| Hyundai Palisade | $158 | 161 |
| Kia Telluride | $159 | 162 |
| BMW X2 | $160 | 163 |
| Cadillac XT5 | $160 | 164 |
| Volvo C40 Recharge | $160 | 165 |
A few factors affect what you'll pay for Kia Telluride insurance:
- Average repair or replacement costs: Kia Telluride repairs average $980 a year, so it's third least expensive among 21 Kia models. Lower repair costs keep premiums below most of its class.
- Vehicle trim, features and accessories: The Telluride's 291-horsepower V6 is standard across trims, but higher trims like SX and Prestige cost more to insure because their greater feature content and market value raise claim exposure.
- Driver profile: Most Telluride owners are 35 to 50 with a median age of 42 and higher incomes, a profile that typically gets lower rates. The Telluride's performance reputation can draw higher-risk drivers, which insurers price in. Read more about the costs of Kia Tellurides for young drivers.
Kia Telluride Costs by Model Year and Driver Age by Insurance Company
A 35- to 55-year-old driver pays an average of $253 a month for full coverage on a 2025 Kia Telluride compared to $203 for a 2020 model. Newer vehicles carry higher premiums, and driver age compounds that gap. Teen and young adult drivers pay steeper rates regardless of model year.
Travelers has the lowest rates for all Kia Telluride model years and could save certain drivers hundreds of dollars a month versus average costs. Comparing quotes from multiple insurers gives you the best shot at cutting your premium.
Cost of Car Insurance for 2025 Kia Telluride
| Travelers | $89 | $165 |
| Geico | $90 | $195 |
| National General | $100 | $204 |
| State Farm | $102 | $213 |
| Progressive | $108 | $203 |
| Nationwide | $110 | $191 |
| The Hartford | $124 | $212 |
| AAA | $134 | $278 |
| Allstate | $138 | $265 |
| Kemper | $139 | $285 |
| Amica | $150 | $306 |
| Chubb | $161 | $322 |
| AIG | $169 | $421 |
| Farmers | $173 | $304 |
| UAIC | $184 | $232 |
2025 Kia Telluride Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $797 | $701 | $621 | $536 | $473 | $402 | $366 | $327 | $299 | $263 |
| Nationwide | $865 | $791 | $728 | $618 | $523 | $339 | $315 | $294 | $278 | $249 |
| Travelers | $997 | $720 | $571 | $440 | $389 | $283 | $259 | $239 | $221 | $190 |
| Geico | $1,109 | $810 | $680 | $494 | $425 | $343 | $316 | $261 | $247 | $224 |
| Allstate | $1,273 | $996 | $802 | $591 | $529 | $412 | $374 | $353 | $332 | $294 |
| Progressive | $1,476 | $1,193 | $990 | $551 | $481 | $388 | $346 | $309 | $284 | $244 |
| Farmers | $1,874 | $1,386 | $1,235 | $776 | $733 | $560 | $497 | $476 | $452 | $380 |
Cost of Car Insurance for 2024 Kia Telluride
| Travelers | $87 | $162 |
| Geico | $88 | $192 |
| National General | $98 | $200 |
| State Farm | $100 | $209 |
| Progressive | $106 | $200 |
| Nationwide | $108 | $188 |
| The Hartford | $122 | $208 |
| AAA | $132 | $273 |
| Allstate | $135 | $260 |
| Kemper | $136 | $280 |
| Amica | $147 | $301 |
| Chubb | $158 | $316 |
| AIG | $166 | $414 |
| Farmers | $170 | $298 |
| UAIC | $180 | $227 |
2024 Kia Telluride Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $783 | $689 | $610 | $526 | $465 | $395 | $359 | $321 | $294 | $259 |
| Nationwide | $849 | $777 | $715 | $607 | $513 | $333 | $309 | $288 | $273 | $244 |
| Travelers | $979 | $707 | $560 | $432 | $382 | $277 | $254 | $235 | $217 | $186 |
| Geico | $1,089 | $795 | $668 | $485 | $417 | $337 | $310 | $257 | $243 | $220 |
| Allstate | $1,250 | $978 | $787 | $581 | $520 | $404 | $367 | $346 | $326 | $289 |
| Progressive | $1,449 | $1,171 | $972 | $541 | $472 | $381 | $340 | $303 | $279 | $240 |
| Farmers | $1,840 | $1,361 | $1,212 | $762 | $720 | $550 | $488 | $468 | $444 | $374 |
Cost of Car Insurance for 2023 Kia Telluride
| Travelers | $76 | $141 |
| Geico | $77 | $167 |
| National General | $85 | $174 |
| State Farm | $87 | $181 |
| Progressive | $92 | $173 |
| Nationwide | $94 | $163 |
| The Hartford | $106 | $181 |
| AAA | $114 | $237 |
| Allstate | $117 | $226 |
| Kemper | $118 | $243 |
| Amica | $128 | $261 |
| Chubb | $137 | $274 |
| AIG | $144 | $359 |
| Farmers | $148 | $259 |
| UAIC | $157 | $198 |
2023 Kia Telluride Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $680 | $598 | $530 | $457 | $404 | $343 | $312 | $279 | $255 | $225 |
| Nationwide | $738 | $675 | $621 | $527 | $446 | $289 | $268 | $250 | $237 | $212 |
| Travelers | $851 | $614 | $487 | $375 | $332 | $241 | $221 | $204 | $189 | $162 |
| Geico | $946 | $691 | $580 | $421 | $362 | $293 | $270 | $223 | $211 | $191 |
| Allstate | $1,086 | $850 | $684 | $504 | $451 | $351 | $319 | $301 | $283 | $251 |
| Progressive | $1,259 | $1,017 | $844 | $470 | $410 | $331 | $295 | $263 | $242 | $208 |
| Farmers | $1,598 | $1,182 | $1,053 | $662 | $625 | $477 | $424 | $406 | $386 | $325 |
Cost of Car Insurance for 2022 Kia Telluride
| Geico | $83 | $181 |
| Travelers | $101 | $186 |
| National General | $102 | $209 |
| State Farm | $118 | $247 |
| Progressive | $131 | $246 |
| The Hartford | $133 | $226 |
| Nationwide | $136 | $235 |
| AAA | $147 | $305 |
| Amica | $158 | $324 |
| Allstate | $162 | $312 |
| Chubb | $165 | $328 |
| Kemper | $174 | $358 |
| Farmers | $183 | $322 |
| AIG | $183 | $454 |
| UAIC | $207 | $260 |
2022 Kia Telluride Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $929 | $818 | $723 | $625 | $552 | $469 | $426 | $381 | $348 | $307 |
| Geico | $1,024 | $747 | $627 | $455 | $392 | $316 | $291 | $241 | $228 | $207 |
| Nationwide | $1,066 | $974 | $897 | $762 | $644 | $417 | $387 | $361 | $341 | $306 |
| Travelers | $1,139 | $817 | $646 | $497 | $439 | $319 | $291 | $269 | $249 | $214 |
| Allstate | $1,510 | $1,180 | $947 | $696 | $624 | $486 | $441 | $416 | $392 | $347 |
| Progressive | $1,801 | $1,453 | $1,205 | $670 | $584 | $471 | $419 | $374 | $344 | $296 |
| Farmers | $1,988 | $1,473 | $1,312 | $822 | $776 | $589 | $525 | $502 | $477 | $402 |
Cost of Car Insurance for 2021 Kia Telluride
| Geico | $70 | $153 |
| Travelers | $85 | $157 |
| National General | $86 | $177 |
| State Farm | $100 | $209 |
| Progressive | $111 | $208 |
| The Hartford | $112 | $191 |
| Nationwide | $115 | $199 |
| AAA | $124 | $258 |
| Amica | $134 | $274 |
| Allstate | $137 | $264 |
| Chubb | $139 | $277 |
| Kemper | $147 | $303 |
| Farmers | $154 | $272 |
| AIG | $155 | $384 |
| UAIC | $175 | $220 |
2021 Kia Telluride Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $785 | $691 | $611 | $528 | $466 | $396 | $360 | $322 | $294 | $259 |
| Geico | $865 | $632 | $530 | $385 | $331 | $267 | $246 | $204 | $193 | $175 |
| Nationwide | $901 | $823 | $758 | $644 | $544 | $353 | $327 | $305 | $289 | $259 |
| Travelers | $962 | $691 | $546 | $420 | $371 | $269 | $246 | $227 | $210 | $181 |
| Allstate | $1,276 | $997 | $800 | $589 | $527 | $411 | $373 | $352 | $331 | $294 |
| Progressive | $1,522 | $1,228 | $1,019 | $566 | $494 | $398 | $354 | $316 | $291 | $250 |
| Farmers | $1,680 | $1,245 | $1,108 | $694 | $656 | $498 | $443 | $424 | $403 | $340 |
Cost of Car Insurance for 2020 Kia Telluride
| Geico | $60 | $131 |
| Travelers | $73 | $135 |
| National General | $74 | $152 |
| State Farm | $86 | $179 |
| Progressive | $95 | $179 |
| The Hartford | $96 | $164 |
| Nationwide | $98 | $171 |
| AAA | $107 | $221 |
| Amica | $115 | $235 |
| Allstate | $118 | $227 |
| Chubb | $120 | $238 |
| Kemper | $126 | $260 |
| Farmers | $133 | $233 |
| AIG | $133 | $330 |
| UAIC | $150 | $189 |
2020 Kia Telluride Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $674 | $593 | $525 | $453 | $400 | $340 | $309 | $276 | $252 | $222 |
| Geico | $743 | $542 | $455 | $330 | $284 | $230 | $211 | $175 | $166 | $150 |
| Nationwide | $773 | $707 | $651 | $553 | $467 | $303 | $281 | $262 | $248 | $222 |
| Travelers | $826 | $593 | $469 | $360 | $319 | $231 | $211 | $195 | $181 | $155 |
| Allstate | $1,095 | $856 | $687 | $505 | $452 | $353 | $320 | $302 | $284 | $252 |
| Progressive | $1,307 | $1,054 | $874 | $486 | $424 | $341 | $304 | $272 | $250 | $215 |
| Farmers | $1,443 | $1,069 | $952 | $596 | $563 | $428 | $381 | $364 | $346 | $292 |
Kia Telluride Insurance Cost by Trim
Kia Telluride insurance runs from $88 a month for minimum coverage on base LX trims up to $250 for full coverage on high-performance SX-Prestige X-Pro models. Performance features and market value determine where each trim falls in that range.
| 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 |
Kia Telluride Insurance Cost by State
Minimum coverage on a Kia Telluride is $42 a month in Wyoming and $205 in Louisiana. The gap reflects each state's risk profile and regulations, not the vehicle.
| 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 |
How to Lower the Cost of Kia Telluride Insurance
We've compiled proven strategies to help you find affordable Kia Telluride insurance rates:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Kia Telluride based on your ownership situation. Drivers who own their vehicle can carry their state's minimum liability requirements alongside comprehensive and collision coverage with a $1,000 deductible to lower premiums.
Those who want broader protection may prefer 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing usually requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance through the lender.
- 2Research costs and cheap companies
Research average auto insurance costs for SUVs like the Kia Telluride before you compare quotes. That benchmark gives drivers a better idea of whether rates from the cheapest car insurance companies are actually competitive. Knowledge of the typical price range also makes it easier to spot overpriced policies when you review offers from multiple insurers.
- 3Look for more than just low rates
Choose reliable car insurance by looking beyond quote prices alone. Check J.D. Power satisfaction ratings, read forum discussions about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers may offer fewer coverage options or slower customer service when you need to file a claim.
- 4Look for discounts you qualify for
Discover car insurance discounts that apply to your situation as a Telluride owner. You'll usually qualify for safety features discounts due to your SUV's advanced safety technology, good driver discounts for clean driving records, bundling savings when combining auto and home policies, and multi-vehicle discounts if you insure multiple cars with the same company.
- 5Learn about alternative car insurance types
Kia Telluride owners might benefit from usage-based insurance programs that track driving habits. Options like Progressive Snapshot or Allstate Drivewise monitor safe driving behaviors and offer premium reductions based on actual driving patterns rather than general risk factors, potentially saving careful drivers hundreds of dollars a year.
- 6Check rates every year
Get car insurance quotes from multiple companies every year. Your current insurer won't notify you when competitors lower their prices, and yearly comparisons can save up to 24% on Kia Telluride coverage. Rates shift often, so an annual quote check is the simplest way to avoid overpaying.
Kia Telluride Insurance Cost: Bottom Line
Kia Telluride insurance costs more than average, but lower rates are still possible. Review quotes from multiple insurers, claim available discounts and adjust coverage options to reduce costs for your vehicle.
Kia Telluride Insurance Rates: FAQ
What is the average cost of car insurance for a Kia Telluride?
Insurance for a Kia Telluride costs $1,293 annually for state minimum coverage and $2,520 yearly for full coverage. These rates are slightly higher than average compared to national insurance costs.
What company has the cheapest car insurance for a Kia Telluride?
GEICO provides the most affordable minimum coverage for a Kia Telluride at $996 annually. GEICO also offers the lowest full coverage rate at $2,148 per year.
Are Kia Tellurides expensive to insure?
No, Kia Telluride insurance is not expensive compared to most vehicles. Among SUVs specifically, this model places 162nd out of 256 for affordability, ranking in the lower-cost half of its category.
What factors affect insurance costs for Kia Tellurides?
Multiple factors affect your Kia Telluride insurance rates. Your driving record, credit score and chosen coverage levels all affect your premium. The vehicle's size, safety features and repair costs also influence what insurers charge for coverage.
How can I lower Kia Telluride insurance costs?
Compare quotes from at least three insurers because Kia Telluride pricing varies between companies. Ask about usage-based programs that track your driving. Claim every available discount, bundle policies and keep your record clean.
How We Determined Kia Telluride Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025.
Who We Based These Rates On
Our baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and about 12,000 miles driven a year.
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: $100,000/$300,000/$100,000 liability with comprehensive and collision coverage and a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.