- If buying a new model, insurance rates are very similar between the Highlander and Telluride.
- The Toyota Highlander averages 16.5% less per year than the 2024 model year average U.S. car insurance rate of $2,572, while the Kia Telluride averages 2.7% less per year.
- For the 2024 Toyota Highlander, rates range from $2,006 to $2,370 per year, while the average insurance cost for a 2024 Kia Telluride ranges from $2,278 to $2,628.
Is a 2024 Toyota Highlander or Kia Telluride cheaper to insure?
Insurance rates for a 2024 Toyota Highlander average $2,180 per year, whereas insurance for a 2024 Kia Telluride costs an average of $2,504 per year, making the Toyota Highlander the cheaper of the two by $324 per year.
The table below shows an overview of how these two midsize SUV models compare. Average insurance cost per year and per month is included, along with average rates by driver age.
| 2024 Toyota Highlander | 2024 Kia Telluride | |
|---|---|---|
| Average Insurance Cost Per Year | $2,180 | $2,504 |
| Insurance Cost Per Month | $182 | $209 |
| 16-year-old Driver | $7,630 | $8,852 |
| 18-year-old Driver | $6,727 | $7,801 |
| 20-year-old Driver | $4,372 | $5,058 |
| 25-year-old Driver | $2,534 | $2,912 |
| 30-year-old Driver | $2,334 | $2,676 |
| 40-year-old Driver | $2,180 | $2,504 |
| 50-year-old Driver | $1,928 | $2,210 |
| 60-year-old Driver | $1,804 | $2,072 |
| Cheapest Model to Insure | LE 2WD | LX |
| Cheapest to Insure MSRP | $37,625 | $35,990 |
| Cheapest Insurance Cost | $2,006 | $2,278 |
| Most Expensive Model to Insure | Hybrid XLE AWD | SX Prestige X-Pro |
| Most Expensive to Insure MSRP | $43,825 | $53,185 |
| Most Expensive Insurance Cost | $2,370 | $2,628 |
| Calculate Your Rates Custom rates based on your risk profile | Calculate | Calculate |
Data Methodology: Average cost is based on a 40-year-old male driver with a clean driving record. Other driver ages also have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for that specific model year. Updated October 24, 2025
Out of 20 Toyota Highlander trim levels, the cheapest 2024 model to insure is the LE 2WD model at an average cost of $2,006 per year, or $167 per month. For the 10 trim levels available for the Kia Telluride, the cheapest 2024 model to insure is the LX trim at a cost of $2,278.
When trim-level rates for both models are compared, the cheapest vehicle to insure is the Toyota Highlander LE 2WD at a cost of $2,006 per year, and the highest-cost model and trim level is the Kia Telluride SX Prestige X-Pro at a cost of $2,628 per year.
The next table compares the cost of car insurance for 2024 Toyota Highlander and Kia Telluride models, with average rates for each trim level.
| Model and Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Highlander LE 2WD | $2,006 | $167 |
| Highlander Hybrid LE 2WD | $2,050 | $171 |
| Highlander LE AWD | $2,050 | $171 |
| Highlander XLE 2WD | $2,084 | $174 |
| Highlander Hybrid XLE 2WD | $2,120 | $177 |
| Highlander XLE AWD | $2,120 | $177 |
| Highlander XSE 2WD | $2,120 | $177 |
| Highlander XSE AWD | $2,160 | $180 |
| Highlander Limited 2WD | $2,176 | $181 |
| Highlander Bronze Edition 2WD | $2,176 | $181 |
| Highlander Bronze Edition AWD | $2,204 | $184 |
| Highlander Hybrid Limited 2WD | $2,212 | $184 |
| Highlander Limited AWD | $2,212 | $184 |
| Highlander Platinum 2WD | $2,232 | $186 |
| Highlander Hybrid Limited AWD | $2,238 | $187 |
| Highlander Hybrid Platinum 2WD | $2,262 | $189 |
| Highlander Platinum AWD | $2,262 | $189 |
| Telluride LX | $2,278 | $190 |
| Highlander Hybrid Platinum AWD | $2,288 | $191 |
| Highlander Hybrid LE AWD | $2,300 | $192 |
| Telluride S | $2,334 | $195 |
| Highlander Hybrid XLE AWD | $2,370 | $198 |
| Telluride EX | $2,426 | $202 |
| Telluride EX X-Line | $2,510 | $209 |
| Telluride SX | $2,510 | $209 |
| Telluride SX X-Line | $2,568 | $214 |
| Telluride SX X-Pro | $2,586 | $216 |
| Telluride SX Prestige | $2,588 | $216 |
| Telluride SX Prestige X-Line | $2,614 | $218 |
| Telluride SX Prestige X-Pro | $2,628 | $219 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on October 24, 2025
The chart shown below shows the average cost to insure both models with different driver age groups. The average car insurance cost ranges from $1,928 to $4,372 per year for a 2024 Toyota Highlander, and $2,210 to $5,058 for a 2024 Kia Telluride for the driver ages used.
The next tables display the average cost to insure all 2024 trim levels, including an overall average cost for each model. The 2024 Toyota Highlander defeats the 2024 Kia Telluride for cheapest car insurance rates.
2024 Toyota Highlander
$2,180
| 2024 Toyota Highlander Trims | Rate |
|---|---|
| LE 2WD | $2,006 |
| Hybrid LE 2WD | 2,050 |
| LE AWD | 2,050 |
| XLE 2WD | 2,084 |
| Hybrid XLE 2WD | 2,120 |
| XLE AWD | 2,120 |
| XSE 2WD | 2,120 |
| XSE AWD | 2,160 |
| Limited 2WD | 2,176 |
| Bronze Edition 2WD | 2,176 |
| Bronze Edition AWD | 2,204 |
| Hybrid Limited 2WD | 2,212 |
| Limited AWD | 2,212 |
| Platinum 2WD | 2,232 |
| Hybrid Limited AWD | 2,238 |
| Hybrid Platinum 2WD | 2,262 |
| Platinum AWD | 2,262 |
| Hybrid Platinum AWD | 2,288 |
| Hybrid LE AWD | 2,300 |
| Hybrid XLE AWD | 2,370 |
| 2024 Toyota Highlander Average Rate | $2,180 |
2024 Kia Telluride
$2,504
| 2024 Kia Telluride Trims | Rate |
|---|---|
| LX | $2,278 |
| S | 2,334 |
| EX | 2,426 |
| EX X-Line | 2,510 |
| SX | 2,510 |
| SX X-Line | 2,568 |
| SX X-Pro | 2,586 |
| SX Prestige | 2,588 |
| SX Prestige X-Line | 2,614 |
| SX Prestige X-Pro | 2,628 |
| 2024 Kia Telluride Average Rate | $2,504 |
2023 Toyota Highlander vs. Kia Telluride
Car insurance for a 2023 Toyota Highlander averages $2,340 per year, and the 2023 Kia Telluride costs an average of $2,320 per year, making the Kia Telluride the cheaper of the two models to insure.
The actual price you’ll pay for insurance can vary noticeably depending on the trim of the model being insured, as shown by the cheapest and most expensive models to insure in the table above.
For a 2023 Toyota Highlander, rates range from $2,050 per year for the L 2WD model up to $2,628 for the Hybrid Platinum AWD model, with the three cheapest models to insure being the Highlander L 2WD, L AWD, and LE 2WD.
For the 2023 Kia Telluride, rates can range from $2,116 per year for the LX model up to $2,428 on the SX Prestige X-Pro model. The three cheapest to insure are the Telluride LX, S, and EX.
The next table compares and ranks the cost of car insurance for 2023 Toyota Highlander and Kia Telluride models, broken down by trim level.
| Model and Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Highlander L 2WD | $2,050 | $171 |
| Highlander L AWD | $2,104 | $175 |
| Telluride LX | $2,116 | $176 |
| Highlander LE 2WD | $2,126 | $177 |
| Telluride S | $2,164 | $180 |
| Highlander LE AWD | $2,172 | $181 |
| Highlander XLE 2WD | $2,204 | $184 |
| Highlander XLE AWD | $2,244 | $187 |
| Highlander XSE 2WD | $2,244 | $187 |
| Telluride EX | $2,248 | $187 |
| Highlander XSE AWD | $2,286 | $191 |
| Highlander Bronze Edition 2WD | $2,292 | $191 |
| Highlander Limited 2WD | $2,300 | $192 |
| Highlander Bronze Edition AWD | $2,324 | $194 |
| Telluride EX X-Line | $2,326 | $194 |
| Highlander Limited AWD | $2,338 | $195 |
| Highlander Platinum 2WD | $2,356 | $196 |
| Highlander Hybrid LE 2WD | $2,378 | $198 |
| Telluride SX X-Line | $2,380 | $198 |
| Highlander Platinum AWD | $2,392 | $199 |
| Telluride SX X-Pro | $2,394 | $200 |
| Telluride SX Prestige | $2,400 | $200 |
| Highlander Hybrid LE AWD | $2,418 | $202 |
| Telluride SX Prestige X-Line | $2,422 | $202 |
| Telluride SX Prestige X-Pro | $2,428 | $202 |
| Highlander Hybrid XLE 2WD | $2,454 | $205 |
| Highlander Hybrid XLE AWD | $2,486 | $207 |
| Highlander Hybrid Limited 2WD | $2,550 | $213 |
| Highlander Hybrid Limited AWD | $2,580 | $215 |
| Highlander Hybrid Platinum 2WD | $2,604 | $217 |
| Highlander Hybrid Platinum AWD | $2,628 | $219 |
Data Methodogy: Rated driver is a 40-year-old male with with good credit, a clean driving record, and no claims or at-fault accidents. Premium includes comprehensive and collision coverage with $500 deductibles. Liability limits are 100/300/100 and UM/UIM and medical payments coverage is included. Rates last updated on October 24, 2025
The chart below shows the average insurance cost for the two models for the 20 to 50-year-old driver age groups. For the 2023 Toyota Highlander, insurance cost ranges from $2,066 to $4,746 per year. Car insurance for the 2023 Kia Telluride ranges from $2,054 to $4,656 on average per year.
Out of 22 trims for the 2023 Toyota Highlander, the cheapest rates are on the L 2WD trim at a cost of $2,050 per year.
Out of the nine trim levels available for the Kia Telluride, the lowest-cost 2023 trim level to insure is the LX model at a cost of $2,116.
When rates for all 31 trim levels for both vehicles are combined and compared, the lowest-cost model and trim level to buy insurance for is the Toyota Highlander L 2WD at an average of $2,050 per year. The highest-cost model and trim is the Toyota Highlander Hybrid Platinum AWD at an average of $2,628 per year.
The rate tables below break down trim level insurance rates for each 2023 model, as well as the overall average rate for each model. The 2023 Kia Telluride takes the trophy over the 2023 Toyota Highlander for the cheapest overall car insurance rates.
2023 Toyota Highlander
$2,340
| 2023 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $2,050 |
| L AWD | 2,104 |
| LE 2WD | 2,126 |
| LE AWD | 2,172 |
| XLE 2WD | 2,204 |
| XLE AWD | 2,244 |
| XSE 2WD | 2,244 |
| XSE AWD | 2,286 |
| Bronze Edition 2WD | 2,292 |
| Limited 2WD | 2,300 |
| Bronze Edition AWD | 2,324 |
| Limited AWD | 2,338 |
| Platinum 2WD | 2,356 |
| Hybrid LE 2WD | 2,378 |
| Platinum AWD | 2,392 |
| Hybrid LE AWD | 2,418 |
| Hybrid XLE 2WD | 2,454 |
| Hybrid XLE AWD | 2,486 |
| Hybrid Limited 2WD | 2,550 |
| Hybrid Limited AWD | 2,580 |
| Hybrid Platinum 2WD | 2,604 |
| Hybrid Platinum AWD | 2,628 |
| 2023 Toyota Highlander Average Rate | $2,340 |
2023 Kia Telluride
$2,320
| 2023 Kia Telluride Trims | Rate |
|---|---|
| LX | $2,116 |
| S | 2,164 |
| EX | 2,248 |
| EX X-Line | 2,326 |
| SX X-Line | 2,380 |
| SX X-Pro | 2,394 |
| SX Prestige | 2,400 |
| SX Prestige X-Line | 2,422 |
| SX Prestige X-Pro | 2,428 |
| 2023 Kia Telluride Average Rate | $2,320 |
2022 Toyota Highlander vs. Kia Telluride
For 2022 Toyota Highlander and Kia Telluride models, the Toyota Highlander is cheaper to insure by $88 per year.
The chart below shows the average car insurance cost for both models rated for a variety of different driver ages. For a 2022 Toyota Highlander, the average insurance cost ranges from $1,946 to $4,476 per year for the age groups included in the chart. Full-coverage insurance for the 2022 Kia Telluride costs from $2,032 to $4,628 on average per year.
Out of 22 trim levels for a 2022 Toyota Highlander, the lowest-cost average insurance prices are on the L 2WD model at a cost of $1,932 per year, or $161 per month. For the four different trims available for the Kia Telluride, the lowest-cost 2022 trim level to insure is the LX model at a cost of $2,208 per year, or about $184 per month.
When all 26 trims of both models are combined and compared, the most affordable model and trim level to buy insurance for is the Toyota Highlander L 2WD at an average cost of $1,932 per year, and the highest-cost model and trim level is the Toyota Highlander Hybrid Platinum AWD at an average of $2,480 per year.
The next two tables show trim level insurance rates for each 2022 model, including the average rate for each model. The winner for the 2022 car insurance cost comparison is the Toyota Highlander.
2022 Toyota Highlander
$2,204
| 2022 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $1,932 |
| L AWD | 1,984 |
| LE 2WD | 1,998 |
| LE AWD | 2,038 |
| XLE 2WD | 2,074 |
| XLE AWD | 2,108 |
| XSE 2WD | 2,108 |
| Bronze Edition 2WD | 2,146 |
| XSE AWD | 2,150 |
| Limited 2WD | 2,158 |
| Bronze Edition AWD | 2,178 |
| Limited AWD | 2,196 |
| Platinum 2WD | 2,212 |
| Platinum AWD | 2,242 |
| Hybrid LE 2WD | 2,248 |
| Hybrid LE AWD | 2,286 |
| Hybrid XLE 2WD | 2,320 |
| Hybrid XLE AWD | 2,352 |
| Hybrid Limited 2WD | 2,396 |
| Hybrid Limited AWD | 2,430 |
| Hybrid Platinum 2WD | 2,454 |
| Hybrid Platinum AWD | 2,480 |
| 2022 Toyota Highlander Average Rate | $2,204 |
2022 Kia Telluride
$2,292
| 2022 Kia Telluride Trims | Rate |
|---|---|
| LX | $2,208 |
| S | 2,274 |
| EX | 2,308 |
| SX | 2,378 |
| 2022 Kia Telluride Average Rate | $2,292 |
2021 Toyota Highlander vs. Kia Telluride
When comparing car insurance rates for 2021 models, a Toyota Highlander costs an average of $2,254 per year to insure and a Kia Telluride costs $1,876, making the Kia Telluride more affordable to insure by $378 per year for this comparison year.
The chart below shows the average car insurance cost for the two models rated for different driver ages. Average car insurance cost ranges from $1,998 to $4,598 per year for a 2021 Toyota Highlander, and $1,658 to $3,768 on a 2021 Kia Telluride for the driver ages used.
A 2021 Toyota Highlander has 17 trim levels available, with the lowest-cost trim level to insure being the L 2WD trim at an average cost of $1,982 per year, or $165 per month.
Out of the eight trim and option levels available for the Kia Telluride, the most affordable 2021 trim to insure is the LX 2WD model at a cost of $1,726.
When looking at the combined rates by trim level for both models, the lowest-cost model and trim to put coverage on is the Kia Telluride LX 2WD at a cost of $1,726 per year, and the highest-cost model and trim level is the Toyota Highlander Hybrid Platinum 4WD at an average of $2,598 per year.
The two tables below detail the expected annual car insurance cost by trim level for both 2021 models, including the average rate for each model. The 2021 Kia Telluride has more affordable average car insurance than the 2021 Toyota Highlander.
2021 Toyota Highlander
$2,254
| 2021 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $1,982 |
| L 4WD | 2,048 |
| LE 2WD | 2,048 |
| LE 4WD | 2,048 |
| XLE 2WD | 2,048 |
| Limited 2WD | 2,114 |
| XLE 4WD | 2,114 |
| Limited 4WD | 2,178 |
| Platinum 2WD | 2,178 |
| Platinum 4WD | 2,178 |
| Hybrid LE 2WD | 2,376 |
| Hybrid LE 4WD | 2,376 |
| Hybrid XLE 4WD | 2,440 |
| Hybrid Limited 2WD | 2,554 |
| Hybrid Limited 4WD | 2,554 |
| Hybrid Platinum 2WD | 2,554 |
| Hybrid Platinum 4WD | 2,598 |
| 2021 Toyota Highlander Average Rate | $2,254 |
2021 Kia Telluride
$1,876
| 2021 Kia Telluride Trims | Rate |
|---|---|
| LX 2WD | $1,726 |
| LX 4WD | 1,840 |
| S 2WD | 1,840 |
| S 4WD | 1,840 |
| EX 2WD | 1,906 |
| EX 4WD | 1,906 |
| SX 2WD | 1,972 |
| SX 4WD | 1,972 |
| 2021 Kia Telluride Average Rate | $1,876 |
2020 Toyota Highlander vs. Kia Telluride
For the 2020 Toyota Highlander and Kia Telluride models, the Kia Telluride has cheaper car insurance cost by an average of $374 per year for this comparison year.
The chart shown below shows the average car insurance cost for both 2020 models rated for multiple driver ages. Average full-coverage insurance ranges from $1,944 to $4,472 per year on a 2020 Toyota Highlander, and $1,610 to $3,650 for a 2020 Kia Telluride for the five driver ages sampled in the chart.
For the 17 trim levels available for a 2020 Toyota Highlander, the cheapest trim level to insure is the L 2WD model at an average cost of $1,928 per year, or $161 per month. A 2020 Kia Telluride has eight trim and option levels available, with the cheapest trim level to insure being the LX 2WD trim at an average cost of $1,676 per year.
When all 25 trims of both models are combined and compared, the lowest-cost model and trim level to put coverage on is the Kia Telluride LX 2WD at an average of $1,676 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing $2,526 per year.
The tables shown below break down all the available trims for both 2020 models, as well as the overall average rate for each model. The 2020 Kia Telluride wins out over the 2020 Toyota Highlander for the cheapest car insurance rates.
2020 Toyota Highlander
$2,192
| 2020 Toyota Highlander Trims | Rate |
|---|---|
| L 2WD | $1,928 |
| L 4WD | 1,990 |
| LE 2WD | 1,990 |
| LE 4WD | 1,990 |
| XLE 2WD | 1,990 |
| Limited 2WD | 2,052 |
| XLE 4WD | 2,052 |
| Limited 4WD | 2,118 |
| Platinum 2WD | 2,118 |
| Platinum 4WD | 2,118 |
| Hybrid LE 2WD | 2,312 |
| Hybrid LE 4WD | 2,312 |
| Hybrid XLE 4WD | 2,376 |
| Hybrid Limited 2WD | 2,482 |
| Hybrid Limited 4WD | 2,482 |
| Hybrid Platinum 2WD | 2,482 |
| Hybrid Platinum 4WD | 2,526 |
| 2020 Toyota Highlander Average Rate | $2,192 |
2020 Kia Telluride
$1,818
| 2020 Kia Telluride Trims | Rate |
|---|---|
| LX 2WD | $1,676 |
| LX 4WD | 1,784 |
| S 2WD | 1,784 |
| S 4WD | 1,784 |
| EX 2WD | 1,846 |
| EX 4WD | 1,846 |
| SX 2WD | 1,910 |
| SX 4WD | 1,910 |
| 2020 Kia Telluride Average Rate | $1,818 |