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 CoverageYou’re viewing this tier | 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 Deductible | Same, with less out of pocket per claim | $146 – $243 | $1,752 – $2,916 |
What minimum coverage includes
- Bodily injury + property-damage liability at Tennessee’s 25/50/15
- No required PIP — Tennessee is not a no-fault state in our registry
- UM/UIM not listed as part of the TN minimum
- No comprehensive or collision — the Telluride itself is uninsured
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
Tennessee’s legal floor is 25/50/15. On a Telluride that is a cheap number ($39–$65 in this model) because almost none of the car is in the premium. A deer on I-40, a stolen Telluride, a hail-dented hood, or a crash you cause that also folds your own bumper: the minimum package does not write those checks. The other driver’s injuries and car, up to the caps, are what it buys.
Those caps are the other half of the cheapness. $25,000 per person and $15,000 property damage are easy to exhaust against a late-model SUV, a hospital bill, or a roadside structure. Tennessee is a tort state with no required PIP in our registry, so there is also no first-party medical floor hiding in the minimum. If you cause more damage than 25/50/15, the rest is you.
The same Telluride, same 35–55 clean-record profile, models at $52–$87 once you raise liability and $124–$206 once comprehensive and collision attach. That last step is the entire vehicle-modifier stack — premium MSRP, 5-star NHTSA, moderate repair, no theft-list surcharge — finally appearing. Owners who hold the title and can replace the SUV in cash are the people for whom skipping that step is a decision rather than a default.
The state notes that feed this page cite a roughly 24% uninsured-driver share. Minimum coverage in our Tennessee registry does not list UM/UIM as part of 25/50/15. If an uninsured driver totals this Telluride, you are in small-claims-or-worse territory for your own injuries unless you added UM. That is the specific Tennessee reason this tier is a poor default, even when the monthly number looks friendly.
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 minimum coverage the right tier for you?
- A paid-off Telluride you can replace without an insurer writing a check
- Drivers who understand 25/50/15 may be below a serious claim and are choosing that cap anyway
- Very low exposure (garaged, low miles) where the $39–$65 band is a conscious self-insurance bet
- Anyone still financing or leasing the Telluride — lenders typically will not accept 25/50/15 alone
- Anyone who cannot pay a Telluride repair or replacement in cash
- Anyone who read the ~24% uninsured share in the Tennessee notes and still wants no UM/UIM
$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 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 minimum coverage
These are typical market add-ons, not Tennessee mandates and not priced in our rate model. Confirm each line on a quote.
- 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
01If I cause a crash, does Tennessee 25/50/15 fix my Telluride?
No. 25/50/15 pays the other person’s injuries (up to $25,000/$50,000) and their property (up to $15,000). Your Telluride needs collision. That line lives on the full-coverage tier, modeled here at $124–$206/mo.
02Can I buy minimum-only if the Telluride is financed?
Almost never in practice. The lender’s contract typically requires comprehensive and collision for the life of the loan. 25/50/15 is the state floor, not the collateral floor.
03Is PIP included in Tennessee minimum coverage?
Not in our registry. Tennessee is listed as a tort state without a PIP requirement. Occupant medical bills after a crash are a health-insurance / MedPay / UM question, not a hidden PIP line on 25/50/15.
04Why isn’t this $39–$65 if the Telluride is a premium-tier SUV?
Because minimum coverage barely uses the vehicle modifiers. rates.ts applies only 30% of the vehicle multiplier to the state minimum base ($50 in Tennessee). The Telluride’s MSRP and repair knobs show up when comprehensive and collision attach.
05Does Tennessee's 25/50/15 minimum pay to fix my Telluride?
No. That package is liability for other people. A damaged 2024 Kia Telluride is only paid for if you buy collision (crash) or comprehensive (non-crash). Those lines start at the full-coverage tier, which models at $124 – $206/mo on this page.
06What 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.
