How much is Kia Telluride insurance in Tennessee?
For the driver profile in our methodology, a 2024 Kia Telluride costs between $39/mo at the state minimum and $243/mo for low-deductible full coverage. Most owners land in the full-coverage row — lenders and lessors require it.
| Coverage level | What it covers | Monthly | Annual |
|---|---|---|---|
| Minimum Coverage | Other people's injuries and property only | $39 – $65 | $468 – $780 |
| Liability Only | Higher limits; still nothing for your car | $52 – $87 | $624 – $1,044 |
| Full CoverageMost ownersYou’re viewing this tier | Adds damage to your Telluride, theft, glass | $124 – $206 | $1,488 – $2,472 |
| Full Coverage + Low Deductible | Same, with less out of pocket per claim | $146 – $243 | $1,752 – $2,916 |
What full coverage includes
- Liability above Tennessee’s 25/50/15 floor
- Comprehensive: theft, hail, vandalism, fire, animal strike, glass
- Collision on the Telluride, $500 deductible
- Uninsured/underinsured motorist — not listed as part of TN’s minimum in our registry, and material in a notes-cited ~24% uninsured market
What Tennessee requires to drive a Telluride
Tennessee lists 25/50/15 as the liability floor. That is what makes a Telluride legal to drive — not full coverage, not a $500 deductible, and not a particular carrier.
- Liability floor
- 25/50/15
- Fault system
- Tennessee is a tort (at-fault) state — the driver who causes a crash is who liability pays for.
- PIP
- PIP is not a required minimum in this state.
- Uninsured motorist in the minimum
- UM/UIM is not listed as part of the state minimum in our registry — it is typically added, not assumed.
- Uninsured-driver share (from state notes)
- About 24% — cited in this state’s notes that feed the page, not a live NAIC pull.
Telluride insurance cost by model year
Newer models cost more to insure — a 2024 Telluride runs about 17% more than a 2020 — because comp and collision track replacement value and parts cost. Liability barely moves with age.
| Model year | Full coverage / mo | Liability / mo | vs. 2024 |
|---|---|---|---|
| 2024 | $124 – $206 | $52 – $87 | — |
| 2023 | $118 – $196 | $51 – $86 | −5% |
| 2022 | $113 – $187 | $51 – $85 | −9% |
| 2021 | $108 – $179 | $50 – $84 | −13% |
| 2020 | $103 – $171 | $49 – $82 | −17% |
Telluride vs. comparable vehicles
How the Telluride stacks up against the vehicles shoppers most often cross-shop it with. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. Telluride | Why it differs |
|---|---|---|---|
| Kia Telluride | $124 – $206 | — | Segment-average claim severity |
| Honda Pilot | $124 – $206 | — | Pilot matches on size; Honda parts pricing runs a touch higher. |
| Toyota Highlander | $124 – $206 | — | Highlander's hybrid mix and resale lift its replacement cost. |
| Hyundai Santa Fe | $134 – $223 | +8% | Santa Fe is a size class down but carries the theft-wave surcharge. |
Telluride insurance cost by Tennessee city
Memphis drivers pay about 20% above the state average while Clarksville runs 5% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. TN average |
|---|---|---|
| Memphis | $149 – $247 | +20% |
| Nashville | $141 – $235 | +14% |
| Chattanooga | $123 – $204 | −1% |
| Knoxville | $120 – $200 | −3% |
| Clarksville | $118 – $196 | −5% |
Why Telluride insurance costs what it costs
Full coverage on this Telluride is not a Tennessee statute. The Department of Commerce & Insurance floor is 25/50/15: $25,000 bodily injury per person, $50,000 per crash, $15,000 property damage. That package pays the other driver. Comprehensive and collision — the lines that repair a Telluride after a crash, a deer, hail, theft, or a smashed hatch — sit on top of that floor because a lender asked for them, or because you do not want to cash-fund a midsize SUV. The $500 deductible is the first-party piece this model assumes; it is not a state rule.
The $124–$206 band is a Tennessee story and a Telluride story at once. The state base in our file is $145/mo full coverage (rank 13 of 51, cheaper than most of the country). The Telluride then gets the premium-MSRP multiplier, a 5-star NHTSA overall rating, moderate repair severity, and no NICB top-100 theft surcharge. Those four modifiers are the only vehicle knobs in rates.ts. We do not have an IIHS score, a Telluride-specific theft count, or a Kia parts-index in this registry, so we do not write them.
Walk the same driver down this car’s own ladder and the first-party lines are obvious: minimum 25/50/15 models at $39–$65, higher liability at $52–$87, full coverage at $124–$206, and the $250-deductible sibling at $146–$243. Roughly 58% of the full-coverage mid-point is comprehensive and collision. That is why a paid-off, low-value Telluride is the case for dropping those lines — and why a financed 2024 is not.
City factors on this page scale the same $124–$206 band. Memphis is modeled 20% above the state ($149–$247), Nashville 14% above ($141–$235), Chattanooga near even, Knoxville 3% below, Clarksville 5% below ($118–$196). Those spreads follow the notes line that Nashville and Memphis run 15–25% over the state average. They are not a second quote file, and they are not age or credit bands — this model does not publish those.
What the model knows about this Telluride
- NHTSA overall
- 5 starsFeeds the safety multiplier in our rate model. We do not publish IIHS/HLDI scores — they are not in this registry.
- NICB theft list
- Not in top 100No theft surcharge is applied for this vehicle in the model.
- MSRP tier
- premiumReplacement-cost proxy. Higher tiers raise the full-coverage mid-point.
- Repair severity
- moderateClaim-severity proxy used only on comprehensive/collision, not on the liability floor.
Is full coverage the right tier for you?
- Anyone still financing or leasing the Telluride — the lender’s contract, not Tenn. Code, is what typically requires comprehensive and collision
- Owners who would rather a modeled $124–$206/mo than a body-shop invoice on a premium-tier midsize SUV
- Drivers who treat Tennessee’s notes-cited ~24% uninsured share as a reason to keep UM/UIM next to the first-party lines
- A paid-off Telluride whose actual cash value is no longer worth $1,488–$2,472 a year in modeled full coverage
- Very low-mile drivers who will keep 25/50/15 (or higher liability) and self-insure the hatch
- Anyone who already keeps $500 reserved and wants to price the $250-deductible tier ($146–$243) before locking a deductible
$500 vs $250 deductible on a Telluride
On a Telluride this model prices a $250 deductible at $22–$37/mo above the $500 deductible. You save $250 per comprehensive or collision claim; you pay the extra premium every month whether you claim or not.
| Tier | Deductible | Monthly | Annual | In this file |
|---|---|---|---|---|
| Standard full coverageYou’re viewing this tier | $500 | $124 – $206 | $1,488–$2,472 | Default first-party deductible in this model |
| Low-deductible full coverage | $250 | $146 – $243 | $1,752–$2,916 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on full coverage
These are typical market add-ons, not Tennessee mandates and not priced in our rate model. Confirm each line on a quote.
- Rental reimbursement
If this Telluride is your only car, a shop visit without a rental add-on is an out-of-pocket week.
Not automatic on full coverage. Typical market price cited elsewhere on this site is $5–15/mo — confirm on the quote, do not treat that as a filed TN rate.
- Loan/lease payoff (gap)
New or financed Kia Telluride: actual cash value after a total loss can sit below the loan.
State law does not require gap. Lenders sometimes sell it at the dealership; price it against the same add-on on the auto policy.
- Roadside assistance
Useful on a SUV you drive far from a dealer network — towing, lockout, flat.
2024 vehicles may still have factory roadside; stacking two roadside products rarely helps.
- Medical payments (MedPay)
Tennessee does not require PIP, so MedPay is the usual small first-party medical add-on for occupants.
It is not a substitute for health insurance, and it is not required in this state.
- Uninsured/underinsured motorist
Tennessee notes cite a roughly 24% uninsured-driver share, and UM is not in the listed minimum.
This is usually the highest-leverage add-on on a minimum or liability-only policy. Confirm reject/stack rules on the quote.
Carriers that commonly quote Tennessee
These are carriers we have real logos for and that commonly quote Tennessee. We do not publish a per-carrier Telluride price — that would be a fabricated quote. The range on this page is the modeled band, not “from $X at GEICO.”
GEICOLowest base rate
ProgressiveSR-22 + tickets
State FarmBundling + agents
How to lower your Telluride rate
- Raise your deductible to $1,000. On a Telluride premium this is the single biggest lever you control directly.Saves ~$13–$25/mo
- Shop at least three carriers. Rates for the identical Telluride profile differ by 2x or more between carriers in Tennessee.Saves up to $1,000+/yr
- Clean up billing. Paid-in-full, paperless, and autopay credits stack — small individually, real together, and none are applied unless you ask.Saves 3–8%
- Ask about safety-tech discounts. Automatic emergency braking, lane keeping, and anti-theft equipment all carry filed credits with some carriers — none are applied unless you ask.Saves 3–8%
- Report your real mileage. Commuting under ~10,000 miles a year moves you down a rating band with most carriers, and pay-per-mile programs go further if you drive little.Saves 5–15%
- Bundle home or renters. Multi-policy is the largest standing discount most carriers file — typically 10–20% off the auto side.Saves 10–20%
About these numbers
Sources. Rate ranges are modeled from average premiums published by the Tennessee Department of Insurance and industry rate data, adjusted per vehicle using NICB theft rankings, NHTSA safety ratings, MSRP tier, and repair-severity data. They are estimates, not filed quotes.
Rating profile. Unless noted: a 35–55-year-old driver with a clean record, average credit where states allow it, 12,000 annual miles, and standard $500 comprehensive and collision deductibles. Your rate will differ — that is the point of quoting.
Ranges, not averages. We publish a band rather than a single average because the spread between carriers for the same driver routinely exceeds 2x — a lone number hides the gap that makes shopping worth your time.
What this model does not do. It does not publish age-band prices, ticket/DUI/credit surcharge tables, per-carrier quotes, J.D. Power ranks, NAIC complaint indexes, or IIHS/HLDI scores. Vehicle knobs are only the four in the rate model: MSRP tier, NICB theft rank, NHTSA stars, and repair-severity tier. The $250-deductible band is the $500 band × 1.18.
Kia Telluride insurance in Tennessee: FAQ
01Is full coverage required on a financed Telluride in Tennessee?
By the loan or lease, typically yes. By Tennessee law, no — the floor is 25/50/15. Dropping comprehensive or collision on a financed Telluride can trigger force-placed coverage from the lender, which is usually priced for their collateral, not for you. This page models the $500-deductible stack at $124–$206/mo.
02What does “full coverage” actually pay for on a Telluride in Tennessee?
Three buckets: (1) liability above 25/50/15 for injuries and property you cause, (2) comprehensive for non-crash damage to the Telluride, (3) collision for crash damage to the Telluride, each first-party line with a $500 deductible in this model. Rental cars, gap, and roadside are add-ons — they are not hidden inside the phrase.
03Why is uninsured-motorist coverage a live issue on this Tennessee page?
The Tennessee notes that feed this template cite a roughly 24% uninsured-driver share (called out as top-three nationally in that text). UM/UIM is not listed as part of the 25/50/15 minimum in our registry. Collision can still repair the Telluride after a hit-and-run once you clear the deductible; UM/UIM is what typically pays your injuries when the other driver cannot.
04Is a Telluride more expensive to insure than a Santa Fe in Tennessee?
In this model the Santa Fe is higher: $134–$223 vs $124–$206. The Santa Fe carries NICB theft rank #20; the Telluride is not on the top-100 list we use. Honda Pilot and Toyota Highlander land on the same $124–$206 band as the Telluride because they share the same MSRP, safety, theft, and repair knobs in the file.
05What does Tennessee actually require to drive a Telluride?
Tennessee lists 25/50/15 as the liability floor. Full coverage is a market/lender product on top of that, modeled here at $124 – $206 for a 2024 Kia Telluride.
06Should I add uninsured-motorist coverage on a Telluride in Tennessee?
Tennessee's notes cite a roughly 24% uninsured-driver share, and UM/UIM is not listed as part of the state minimum. Collision (on full coverage) can still repair the Telluride after a hit-and-run; UM/UIM is what typically pays your injuries when the other driver cannot.
