Every figure in this article is traced to the sources listed under Sources.

Insurance for a Kia Telluride costs an average of about $149 per month for full coverage, according to 2026 data from Insurify. Compare.com puts the average at $195 per month for full coverage and $104 for liability-only. These are national averages; your rate depends on your state, model year, coverage and driving record.

Key Takeaway: The 2026 Kia Telluride is a three-row SUV with average insurance costs that are generally lower than the class average, but its comprehensive loss index is above average at 106, reflecting higher theft and weather claims. An active recall for 2020–2024 models may influence how insurers price comprehensive coverage. Drivers should get quotes from multiple insurers and check their VIN on the NHTSA recall site. The figures here are national estimates, not personal quotes.

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How Much Does Kia Telluride Insurance Cost?

Insurify’s 2026 data shows an overall average of $149 per month for a Kia Telluride. Compare.com reports an average of $195 per month for full coverage and $104 per month for liability-only coverage. ForCar, using HLDI insurance-loss data covering 2022–2024, estimates $1,224 per year for full coverage on a national average, equal to about $102 per month. These figures are national averages for a typical driver and will vary by state, model year, coverage level, deductible and personal profile.

$149 Average monthly premium (Insurify, 2026)
$195 Full coverage monthly average (Compare.com, 2026)
$104 Liability-only monthly average (Compare.com, 2026)
$1,224 Annual full coverage average (ForCar/HLDI, 2022–2024)

The Telluride generally costs less to insure than the average vehicle, but its comprehensive loss index is above average at 106, where 100 is the average. The HLDI loss index for the Telluride overall is 85, and its bodily injury index is 71.

What Drives the Cost of Kia Telluride Insurance?

Several verified factors explain why a driver’s actual premium can differ from the averages.

Geography
State and ZIP code
Compare.com notes Delaware drivers pay some of the highest rates for the Telluride, while Nevada drivers pay the lowest.
Insurance is regulated by state, and rates vary widely by location, theft rates and weather risk.
Model Year
Age of the vehicle
Older Tellurides may cost less to insure, while newer models with higher replacement values can cost more.
The 2026 model is part of the previous generation. Replacement costs rise with newer model years.
Coverage
Level and deductible
Liability-only costs far less than full coverage. A higher deductible lowers the premium.
Full coverage includes collision and comprehensive, which are priced based on the vehicle’s loss experience.
Loss Experience
Comprehensive loss index
The Telluride’s comprehensive index is 106, above the average of 100.
This reflects higher theft and weather-related claims, which can push up comprehensive premiums.
Recall
Fire-risk recall
NHTSA campaign 26V430 (which replaced 24V407) covers certain 2020–2024 Tellurides for a front power seat motor that may overheat and cause a fire.
No source directly states the recall has raised rates, but insurers may consider it when pricing comprehensive coverage.

Who Should Pay Close Attention?

Buyers shopping for a three-row family SUV should compare Telluride insurance costs against rivals such as the Hyundai Palisade and Honda Pilot. Owners of 2020–2024 Tellurides should confirm whether their vehicle is covered by the recall and complete the repair. Drivers in states with higher theft rates or severe weather exposure should pay particular attention to comprehensive coverage.

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What Drivers Should Do Now

These steps are based on the verified information in this article.

Get quotes from at least three insurers
Use the same coverage limits and deductible for each quote.
This lets you compare apples to apples, since premiums vary widely by insurer.
Check your VIN on the NHTSA recall site
See if your Telluride is affected by the fire-risk recall.
The recall covers certain 2020–2024 models; completing the repair may affect your coverage or claim process.
Ask how your insurer prices comprehensive coverage
Given the Telluride’s above-average comprehensive loss index.
Insurers use loss data to set rates; understanding this can help you choose a deductible that fits your budget.
Consider a higher deductible
If you can absorb the out-of-pocket cost, a higher deductible lowers your premium.
This is a trade-off between monthly savings and the amount you pay if you file a claim.
Review gap coverage if you finance or lease
Gap coverage pays the difference between what you owe and the vehicle’s value if it is totaled.
Newer Tellurides can depreciate quickly, and a total loss could leave you owing more than the insurance payout.

What the Data Does Not Tell You

Important limitations: The monthly and annual averages are not personalized quotes. They assume a specific driver profile, coverage package and deductible that may not match yours. The HLDI loss index is based on historical data for the 2022–2024 model years and may not predict the experience of a 2026 Telluride. A recall does not automatically increase every owner’s premium. This article is general information, not legal or financial advice or a personal insurance quote. For rules and complaints specific to your state, contact your state insurance department.

Frequently Asked Questions About Kia Telluride Insurance

How much is Kia Telluride insurance per month?

Insurify reports an average of $149 per month for full coverage, while Compare.com puts the average at $195 per month for full coverage and $104 for liability-only. These are national averages and will vary by state, model year, coverage and driving record.

Is the Kia Telluride expensive to insure?

The Telluride generally costs less to insure than the average vehicle, but its comprehensive loss index is above average at 106, reflecting higher theft and weather-related claims.

Does the Kia Telluride recall affect insurance rates?

No source directly states that the recall has raised rates, but insurers may consider the recall when pricing comprehensive coverage. Check with your insurer for details.

The Bottom Line

For most drivers, the Kia Telluride is a relatively affordable vehicle to insure within the midsize SUV segment, but its above-average comprehensive loss index and an active recall mean that not every owner will see the same rate. National averages are a starting point; your actual premium depends on where you live, the model year, the coverage you choose and your driving record.

What remains uncertain is how individual insurers will price the recall and whether future loss data will change the Telluride’s comprehensive index. Drivers should compare quotes and check recall status before assuming a specific rate.

How We Verified This

We checked insurance estimates from Insurify and Compare.com, both dated 2026, and an HLDI-based loss analysis from ForCar covering 2022–2024. Vehicle identity and safety information came from Kia Media and NHTSA, including the current recall record for campaign 26V430 (fetched October 25, 2026). A material limitation: the insurance averages are national and do not reflect state-specific rates or individual driving records.

Disclaimer: This article is for informational purposes only and is not professional insurance, legal or financial advice. Rates, rules and deadlines vary by insurer, state and driver, and can change. Confirm details with a licensed agent, your insurer or your state department of insurance before making a coverage decision.

Sources

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