GMC Terrain Insurance Rates

Shopping around to find the best GMC Terrain insurance rates doesn’t have to be frustrating. You should know that the average amount of money that drivers pay comes to $1,336 a year, which is broken down into a $111 monthly insurance bill.

There are a variety of individual factors that influence insurance rates of a GMC Terrain, such as the age of the vehicle. For example, the insurance cost of a GMC Terrain 2018 model is slightly higher than the insurance cost of a GMC Terrain 2017 model.

We will explore details about how these rates are calculated so you can start researching companies with an expert eye and find cheap car insurance options. 

So if you are looking for the average insurance cost of a GMC Terrain from 2017, insurance on a 2010 GMC Terrain, or a new model, we can help.

Once you’re ready to buy GMC Terrain auto insurance, start comparing affordable GMC Terrain car insurance quotes by entering your five-digit ZIP code into our FREE online tool above.

Average auto insurance rates for a GMC Terrain are $1,064 annually for full coverage insurance. Comprehensive costs on average $206, collision costs $328, and liability coverage is $394. A policy with just liability insurance costs around $440 a year, with coverage for high-risk drivers costing around $2,296. Teens receive the highest rates at $4,094 a year or more.

Average premium for full coverage: $1,064

Rate estimates by individual coverage type:

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Terrain trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have fewer physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than using averaged prices.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates estimated GMC Terrain insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $626
• Raising to $1,000 deductibles will save around $120 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,064
• Selecting more expensive low deductibles will cost $1,298
• Unlucky drivers with serious driving violations could pay upwards of $2,296 or more
• The cost with full coverage for a teenage driver with full coverage may cost $4,094

View Chart as Image

Insurance rates for a GMC Terrain can also vary considerably based on the trim level of your Terrain, your risk profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,000 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,300 to $1,800 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $360 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $354 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on GMC Terrain insurance rates. A middle-age driver might find rates as low as $700 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,440 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Cheaper GMC Terrain Insurance

Saving money on auto insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates every other policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a condensed summary of the ideas that were covered above.

• Teens pay higher rates, costing up to $341 per month if they have full coverage
• Drivers with multiple at-fault accidents may pay on average $1,230 more each year for Terrain insurance
• Increasing deductibles could save up to $350 each year
• It is possible to save as much as $120 per year simply by shopping early and online

By now you should have a better understanding of how insurance rates for a GMC Terrain are calculated. As you now know, the age of your model will impact what you pay for car insurance.

If you’re wondering how much does a 2013 GMC Terrain cost to insure versus how much does a 2014 GMC Terrain cost to insure, the cost of a GMC Terrain 2013 model will be less than newer versions of this truck.

How much does a 2015 GMC terrain cost to insure? It will be more than the 2013 model and the 2014 model.

However, the best way to find cheap GMC Terrain car insurance quotes is by taking advantage of our complimentary tool below.

What are the safety ratings of the GMC Terrain?

When quoting a driver, insurance companies will look at the safety features and ratings of the model you drive in order to determine the risk of injury to you as well as the risk of damage to your GMC Terrain.

Take a look at the following safety ratings of the GMC Terrain with crash test results conducted by the Insurance Institute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

These scores indicate that the GMC Terrain received the highest mark possible in every distinct category.

Now take a look at the GMC Terrain crash test ratings as performed by the National Highway Traffic Safety Administration in the table below.

GMC Terrain Crash Test Ratings

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Over the years, the GMC Terrain has done well with crash tests, but there is still a little room for improvement.

GMC Terrain Compared Against Other Vehicles in the Same Class

The IIHS classifies the GMC Terrain as a small SUV, otherwise known as a crossover. This is important to know because insurance companies will examine the safety of the Terrain with its competition.

If you are curious to know how the GMC Terrain stacks up to other similar models, take a look at average insurance rates for other crossovers.

• Fiat 500X
• Ford Escape
• Subaru Forester

Ultimately, the IIHS reports that the GMC Terrain has a bodily injury loss percentage of -10 percent and a property damage loss percentage of -14 percent. Both of these figures are better than average for this vehicle class.

See more of the GMC Terrain insurance loss probability details in the table below.

GMC Terrain Insurance Loss Probability

Remember, the lower the number, the better the insurance loss ratio. Overall, the GMX Terrain has great insurance loss probability in every category.

Now that we have gone into great detail about GMC Terrain costs as it relates to insurance, is there anything you want to know more about?

If not, be sure to enter your five-digit ZIP code into our free online tool to start comparing GMC Terrain quotes from top companies today.