Toyota Highlander vs Kia Telluride Insurance Cost
The Kia Telluride is cheaper to insure by about $10 a year for full coverage by our estimate ($1,410 vs. $1,400), and cheaper in 29 of 51 states.
Side-by-side insurance estimate
| Coverage | Toyota Highlander | Kia Telluride | Difference |
|---|---|---|---|
| State minimum | $560 | $510 | +$50 |
| Standard (100/300/100) | $810 | $740 | +$70 |
| Full coverage | $1,410 | $1,400 | +$10 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Highlander minus Telluride.
Why one costs more to insure
| Factor | Toyota Highlander | Kia Telluride |
|---|---|---|
| Segment | Midsize SUV | Midsize SUV |
| Powertrains | Gasoline, Hybrid | Gasoline, Hybrid |
| HLDI collision (100 = avg) | 88 | 90 |
| HLDI comprehensive | 88 | 99 |
| HLDI property damage liability | 87 | 78 |
| HLDI bodily injury liability | 94 | 77 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 7 | 10 |
Collision losses are the biggest swing factor: the Kia Telluride has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Toyota Highlander.
Highlander vs Telluride insurance by state
By driver profile (full coverage)
| Driver | Highlander | Telluride |
|---|---|---|
| Teen driver (18, own policy) | $3,880 | $3,850 |
| Young adult (22) | $2,260 | $2,240 |
| Adult in their 30s | $1,410 | $1,400 |
| Adult in their 50s | $1,300 | $1,290 |
| Senior (72) | $1,580 | $1,570 |
| 30s, one at-fault accident | $2,045 | $2,030 |
| 30s, DUI on record | $2,610 | $2,590 |
More comparisons
Frequently asked questions
Is the Toyota Highlander or the Kia Telluride cheaper to insure?
By our estimate the Kia Telluride is cheaper, by about $10 a year for full coverage ($1,410 vs. $1,400) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Toyota Highlander and Kia Telluride?
Mostly because of insurance-loss history: HLDI collision indices of 88 vs. 90 and comprehensive indices of 88 vs. 99 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.