Before you buy any new or new-to-you vehicle, it’s important to consider your budget. But there’s more to vehicle ownership than just the purchase price. Maintenance costs over time, fuel expenses, and insurance coverage will come with ongoing price tags after you’ve driven off the lot. And for the most part, if you’re buying a Kia model, you can expect affordability across the board.

According to some of the latest insurance costs analysis, Kia models are typically more cost-effective to insure. That will, however, depend on your recent driving history. And if you’ve recently had an accident, here’s what you can expect with insuring a Kia Telluride.

Insurance costs depend a lot on your situation 

Insurance coverage for any vehicle, Kia Telluride included, will vary depending on the individual. Insurance companies will look at a variety of criteria before quoting any rates. For example, your age matters. As older individuals will usually be cheaper to insure than fresh 16-year-olds. They’ll also consider your credit rating to verify the likelihood of you making your monthly premium payments.

Your driving record, past and present, will carry significant weight in how much you pay for insurance. If you’ve stacked up a pile of parking tickets or speeding tickets, you could be riskier to insure. And if you’ve had a recent accident, no matter how minor the damage, you could be a red flag to coverage providers.

Cost breakdowns for Kia Telluride owners with a recent accident

CarEdge crunched the numbers for Kia owners based on insurance premium averages and historic pricing metrics. The average cost of insuring a Kia is $1,666 annually. And that’s a savings of more than $550 compared to other vehicle brands. These studies are based on good drivers, about 40 years old, with decent credit. 

If you’ve had a recent, at-fault accident, and you’re 18, you’ll pay about $7,700 yearly. The premiums drop as you get older, with 25-year-olds paying $3,487 and 30-year-olds paying $2,716. If you’re over 40, with a recent accident, you can expect to pay roughly $2,400. And if you’re older than 55, you’ll still only pay $2,183 with a recent accident. 

In reviewing the cost of insurance separated by Kia models, the Kia Telluride specifically runs about $1,967 for good drivers, $3,378 for good drivers with poor credit, and $2,888 for those with a recent accident on their records.

Kia Telluride is still a good option

Buying a new 2023 Kia Telluride will set you back anywhere from $35,890 to $52,985, depending on which of the five trims you select. And as Edmunds shares, it may have gotten a bump in price this year, but it’s still an impressive, three-row SUV worth considering, especially if you love the upscale touches. And as the Edmunds review suggests, the Telluride is still likely “the best value in the class” at every price point. 

The Telluride offers a “plush ride” with seats made for “all-day comfort.” The interior is spacious and smart, perfect for larger families. And you’ll love the full suite of driver assistance features and standard tech, too. With the impressive 10-year and 100,000-mile powertrain warranty and 21 mpg combined fuel economy, it’s a reliable and affordable ride in the long run.

If you’ve recently had an at-fault accident on your driving record, you can expect to pay a little more in insurance premiums for any new vehicle you buy. But if you stick with the impressive Kia Telluride, you’ll still be lower than other makes and models with a similar driving record.