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 owners | Adds damage to your Telluride, theft, glass | $124 – $206 | $1,488 – $2,472 |
| Full Coverage + Low DeductibleYou’re viewing this tier | Same, with less out of pocket per claim | $146 – $243 | $1,752 – $2,916 |
What full coverage + low deductible includes
- Everything in full coverage, still above Tennessee 25/50/15
- $250 deductible on comprehensive and collision (vs $500 on the standard full-coverage page)
- UM/UIM still a separate confirmation — not listed in the TN minimum
- No required PIP
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
Nothing about Tennessee’s 25/50/15 floor changes on this page. You are still buying liability plus comprehensive and collision. The only knob that moved is first-dollar risk: $250 instead of $500 each time the Telluride has a covered comprehensive or collision claim. rates.ts prices that shift at 1.18× the standard full-coverage mid-point. That is a model assumption, not a scraped Tennessee filing.
On these numbers the extra premium is $22–$37 a month, or about $264–$444 a year, to save $250 per claim. One claim every year or two can earn it back; a clean decade will not. We do not have this household’s claim frequency, so we do not tell you which side you are on.
The Telluride modifiers are the same as the $500 page: premium MSRP, 5-star NHTSA, moderate repair, no NICB top-100 surcharge. Lowering the deductible does not change theft rank or safety stars. It only changes how much of the first repair invoice you want the carrier to take.
If cash is tight, this tier is usually a worse use of premium than raising liability above 25/50/15 or adding UM/UIM in a state whose notes cite a ~24% uninsured share. A $250 vs $500 fight is bounded. A bodily-injury claim above your liability caps is not.
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 + low deductible the right tier for you?
- Households that would rather pay $146–$243 than keep $500 liquid for a Telluride claim
- Drivers already committed to full coverage who want the first-dollar piece smaller
- Someone who has seen one ADAS-calibration or hatch repair eat a $500 deductible
- Anyone who already keeps $500 reserved and files claims rarely — the 18% bump may never return
- Drivers who should spend the difference on higher liability limits or UM/UIM instead
- An older Telluride you are about to take collision off of anyway
$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 coverage | $500 | $124 – $206 | $1,488–$2,472 | Default first-party deductible in this model |
| Low-deductible full coverageYou’re viewing this tier | $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 + low deductible 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
01How much more is the $250 deductible on a Telluride in Tennessee?
This model: $124–$206 at $500 deductible, $146–$243 at $250. The 18% lift is hard-coded in rates.ts (fullLowDed = full × 1.18). It is not a live quote from a Tennessee carrier.
02Should I buy a lower deductible or higher liability limits?
If the budget is one knob, raise liability. The deductible difference is at most $250 per claim. A crash that exceeds 25/50/15 is not capped at $250. Tennessee’s floor is low enough that “more liability” is usually the better first dollar.
03Does a lower deductible change Memphis vs Clarksville pricing?
The city factor scales whichever full-coverage band you are on. Memphis is still +20% vs the state, Clarksville −5%. The deductible choice and the city choice are independent in this file.
04What 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.
05Should 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.
06Does Telluride insurance cost more in Memphis than in Clarksville?
In this model, yes — Memphis is 20% vs the TN average ($149 – $247/mo full coverage) and Clarksville is -5% ($118 – $196). Same 2024 Kia Telluride, same driver profile; only the city factor changes.
