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2010 GMC Terrain Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 30, 2020

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Average insurance rates for a 2010 GMC Terrain are $1,008 a year for full coverage insurance. Comprehensive costs on average $186 each year, collision costs $284, and liability coverage costs $402. Buying a liability-only policy costs as little as $446 a year, with high-risk insurance costing around $2,176. Teen drivers receive the highest rates at $3,928 a year or more.

Annual premium for full coverage: $1,008

Rate estimates for 2010 GMC Terrain Insurance

Comprehensive $186
Collision $284
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2010 GMC Terrain models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $446 for a discount liability-only rate to a high rate of $2,176 for a driver who has had serious violations or accidents.

Liability Only $446
Full Coverage $1,008
High Risk $2,176

View Chart as Image

2010 GMC Terrain insurance rates compared
Column chart showing 2010 GMC Terrain insurance prices range from $597 to $3,928 for full coverage

These differences illustrate why all drivers should compare rates based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2010 GMC Terrain Insurance

Searching Companies

Consumers have a choice when looking for affordable GMC Terrain insurance. They can either spend hours contacting agents to get rate comparisons or use the internet to compare rates. There is a better way to find auto insurance online so you’re going to learn the quickest way to quote coverages on a GMC and find the lowest price from local insurance agents and online providers.

If you are insured now or are shopping for new coverage, you can use this information to find better prices while maintaining coverages. The purpose of this article is to instruct you on how to effectively get price quotes and some tips to save money. Drivers only need to know the most effective way to shop on the web.

Auto Insurance Comparisons

Finding cheaper 2010 GMC Terrain auto insurance prices is not a difficult process. The only requirement is to take a few minutes getting comparison quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The single most time-saving way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This form saves time by eliminating repetitive form entry for every auto insurance company. Taking the time to complete one form will get you rate comparisons from multiple companies. Just one form and you’re done.
  2. A more difficult way to shop for auto insurance online is spending the time to visit the website for every company you want to comare and fill out their own quote form. For example, we’ll pretend you want to compare rates from Farmers, Allstate and Progressive. To get each rate you have to go to every website to input your insurance information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

Whichever way you use, be sure to compare identical information with every price quote. If your comparisons have higher or lower deductibles you can’t possibly decipher which rate is best.

Tailor your coverage to you

When it comes to choosing coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your situation may require specific advice.

  • Do I need replacement cost coverage on my 2010 GMC Terrain?
  • Should I put collision coverage on all my vehicles?
  • What is the rate difference between pleasure use and commuting?
  • Should I drop comprehensive coverage on older vehicles?
  • How much can I save by bundling my policies?
  • Should I sign the liability waiver when renting a car?
  • Do I need roadside assistance coverage?
  • What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

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Car insurance coverages for a GMC Terrain

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability car insurance – This can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as structural damage, legal defense fees, funeral expenses, medical expenses and attorney fees. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for prosthetic devices, funeral costs, pain medications, nursing services and surgery. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your GMC Terrain.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, fire damage, theft, rock chips in glass and hitting a bird. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays for damage to your Terrain from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, backing into a parked car, hitting a parking meter, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2010 GMC Terrain Insurance Rates by City
City Premium
New York City, NY $1,590
Los Angeles, CA $1,725
Philadelphia, PA $1,344
Jacksonville, FL $1,459
Phoenix, AZ $1,173
Chicago, IL $1,354
Houston, TX $1,581
Seattle, WA $978
Columbus, OH $842
Indianapolis, IN $859

Need a specific model?

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Rates by Driver Age

2010 GMC Terrain Insurance Rates by Driver Age
Driver Age Premium
16 $3,928
20 $2,308
30 $1,036
40 $1,008
50 $924
60 $906

Full coverage, $500 deductibles

Rates by Deductible

2010 GMC Terrain Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,214
$250 $1,120
$500 $1,008
$1,000 $902

Full coverage, driver age 40

Rates by Liability Limit

GMC Terrain Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,008
50/100 $1,088
100/300 $1,189
250/500 $1,450
100 CSL $1,129
300 CSL $1,350
500 CSL $1,511

Full coverage, driver age 40

Rates for High Risk Drivers

2010 GMC Terrain Insurance Rates for High Risk Drivers
Age Premium
16 $5,566
20 $3,678
30 $2,206
40 $2,176
50 $2,074
60 $2,056

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $138

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $52
Multi-vehicle $54
Homeowner $17
5-yr Accident Free $67
5-yr Claim Free $64
Paid in Full/EFT $40
Advance Quote $47
Online Quote $70
Total Discounts $411
Rate after discounts $597

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2010 GMC Terrain Insurance Rates by State
State Premium
Alabama $910
Alaska $774
Arizona $838
Arkansas $1,008
California $1,150
Colorado $960
Connecticut $1,036
Delaware $1,138
Florida $1,258
Georgia $932
Hawaii $724
Idaho $682
Illinois $752
Indiana $760
Iowa $680
Kansas $958
Kentucky $1,374
Louisiana $1,492
Maine $622
Maryland $832
Massachusetts $804
Michigan $1,748
Minnesota $844
Mississippi $1,208
Missouri $894
Montana $1,080
Nebraska $794
Nevada $1,208
New Hampshire $726
New Jersey $1,126
New Mexico $892
New York $1,060
North Carolina $582
North Dakota $828
Ohio $696
Oklahoma $1,034
Oregon $924
Pennsylvania $960
Rhode Island $1,344
South Carolina $914
South Dakota $852
Tennessee $882
Texas $1,216
Utah $746
Vermont $688
Virginia $604
Washington $776
West Virginia $924
Wisconsin $696
Wyoming $896

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