How much is insurance on a Kia Telluride?

A 2024 Kia Telluride runs about $1,780 a year for a typical 45-year-old, $170 less than an average car of the same age, because of fewer injury claims and less damage to others' property. Putting a new 16-year-old on a family policy with the Telluride adds about $1,170 a year (#9 of 25 midsize SUVs we compare).

2024 Kia Telluride (Telluride AWD), national average

about $1,780 a year (about $150 a month)

Estimated range: $1,300–$2,400. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2022 Telluride drops to about $1,660 (see the table below).

A Kia Telluride from the 2020–2025 generation. Photo: Kevauto, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Telluride AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Telluride's rank is the same in every state.

Why the Kia Telluride costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Kia Telluride 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 94 for crash repairs, 112 for non-crash damage, 73 for damage to others' property, and 64 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage6% better than average16th best of the 25 midsize SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage12% worse than average21st best of the 24 midsize SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average27% better than average7th best of the 25 midsize SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 36% less often than average4th best of the 21 midsize SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Telluride comes out about 1% better than average. So the part of the bill that fixes the car is about the same as average: about $950 a year vs $950. On the liability side, damage to others and injury claims combine to about 32% better than average. We count about half, so that part is about 17% less: $830 a year vs $990.

How the math works

In EPA size classes, the Telluride is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Kia Telluride is benchmarked against midsize SUVs.

Matched to HLDI series “Kia Telluride 4dr 4WD” (HLDI, 2022–24 models).

A used Kia Telluride, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Telluride AWD (0–3 years old)	about $1,780	about $830	+$1,170	about $5,100
2022 Telluride AWD (4–7 years old)	about $1,660	about $830	+$1,100	about $4,770

Our catalog covers the Kia Telluride across model years 2020–2027. Full coverage on a used 2022 Telluride (4–7 years old) runs about $1,660 a year, $110 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $830 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Kia Telluride in our catalog (Telluride AWD and Telluride FWD) price within about $50 a year of each other.

On a policy of their own with a 2024 Kia Telluride, a 22–25-year-old pays about $2,310 a year ($530 more than a 45-year-old), a 26–39-year-old about $1,970, and a driver 65 and older about $1,870.

Adding a 16-year-old with a Kia Telluride

Because the Kia Telluride starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,170 a year ($100 a month), $110 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,100 a year, about $3,930 more than sharing the family policy.

For adding a teen driver, the Kia Telluride ranks 20th cheapest out of all 121 models we track. Stepping down to a used 2022 Telluride (4–7 years old) brings the teen add-on to about $1,100 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Kia Telluride is the 9th least expensive to insure. Right next to it are the Toyota Grand Highlander (about $1,770 a year) and the Hyundai Santa Fe (about $1,780).

Photos from Wikimedia Commons contributors. Photo credits.

What a Kia Telluride costs in your state

In six sample states, a 2024 Kia Telluride runs from about $1,180 a year in Vermont through Indiana, Kentucky, Alabama and California to about $2,340 in New York:

Vermontabout $1,180/yr · +$780 teen
Indianaabout $1,280/yr · +$840 teen
Kentuckyabout $1,490/yr · +$980 teen
Alabamaabout $1,570/yr · +$1,030 teen
Californiaabout $1,750/yr · +$1,160 teen
New Yorkabout $2,340/yr · +$1,550 teen

All 50 states and DC · Updated November 5, 2026.

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