GMC Terrain Insurance Rates
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UPDATED: Jun 6, 2023
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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.
Estimated insurance rates for a GMC Terrain are $1,220 a year for full coverage insurance. Comprehensive insurance costs around $250 each year, collision costs $450, and liability coverage is $384. A policy with only liability insurance costs around $432 a year, with a high-risk policy costing $2,640 or more. Teenage drivers pay the most at $4,582 a year or more.
Average premium for full coverage: $1,220
Premium estimates for type of coverage:
Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Terrain models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a GMC Terrain go from the low end price of $432 for just liability coverage to a high rate of $2,640 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities.
The graphic below illustrates how geographic area affects auto insurance rates.
These rate differences illustrate why all drivers should compare rates quotes for a specific zip code, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below illustrates estimated GMC Terrain insurance rates for additional coverage choices and driver risks.
- The best discount rate is $701
- Raising to $1,000 deductibles will save about $160 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,220
- Using low deductibles will cost an additional $308 each year
- Unlucky drivers who are prone to accidents and violations could pay at least $2,640 or more
- An auto insurance policy that insures a teenage driver can be $4,582
Car insurance prices for a GMC Terrain also have a wide range based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,500 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 137% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,500 a year. View Rates by Age
Where you choose to live also has a big influence on GMC Terrain insurance rates. A middle-age driver might find prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,640 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,100 | -$120 | -9.8% |
Alaska | $934 | -$286 | -23.4% |
Arizona | $1,008 | -$212 | -17.4% |
Arkansas | $1,220 | -$0 | 0.0% |
California | $1,388 | $168 | 13.8% |
Colorado | $1,162 | -$58 | -4.8% |
Connecticut | $1,250 | $30 | 2.5% |
Delaware | $1,376 | $156 | 12.8% |
Florida | $1,522 | $302 | 24.8% |
Georgia | $1,126 | -$94 | -7.7% |
Hawaii | $874 | -$346 | -28.4% |
Idaho | $824 | -$396 | -32.5% |
Illinois | $906 | -$314 | -25.7% |
Indiana | $918 | -$302 | -24.8% |
Iowa | $822 | -$398 | -32.6% |
Kansas | $1,154 | -$66 | -5.4% |
Kentucky | $1,662 | $442 | 36.2% |
Louisiana | $1,804 | $584 | 47.9% |
Maine | $752 | -$468 | -38.4% |
Maryland | $1,004 | -$216 | -17.7% |
Massachusetts | $972 | -$248 | -20.3% |
Michigan | $2,112 | $892 | 73.1% |
Minnesota | $1,020 | -$200 | -16.4% |
Mississippi | $1,458 | $238 | 19.5% |
Missouri | $1,080 | -$140 | -11.5% |
Montana | $1,306 | $86 | 7.0% |
Nebraska | $958 | -$262 | -21.5% |
Nevada | $1,458 | $238 | 19.5% |
New Hampshire | $878 | -$342 | -28.0% |
New Jersey | $1,360 | $140 | 11.5% |
New Mexico | $1,076 | -$144 | -11.8% |
New York | $1,282 | $62 | 5.1% |
North Carolina | $700 | -$520 | -42.6% |
North Dakota | $998 | -$222 | -18.2% |
Ohio | $838 | -$382 | -31.3% |
Oklahoma | $1,250 | $30 | 2.5% |
Oregon | $1,116 | -$104 | -8.5% |
Pennsylvania | $1,160 | -$60 | -4.9% |
Rhode Island | $1,624 | $404 | 33.1% |
South Carolina | $1,106 | -$114 | -9.3% |
South Dakota | $1,028 | -$192 | -15.7% |
Tennessee | $1,066 | -$154 | -12.6% |
Texas | $1,468 | $248 | 20.3% |
Utah | $900 | -$320 | -26.2% |
Vermont | $832 | -$388 | -31.8% |
Virginia | $730 | -$490 | -40.2% |
Washington | $938 | -$282 | -23.1% |
West Virginia | $1,116 | -$104 | -8.5% |
Wisconsin | $842 | -$378 | -31.0% |
Wyoming | $1,084 | -$136 | -11.1% |
Using high physical damage deductibles can reduce prices by up to $470 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
GMC Terrain SLE 2WD | $1,182 | $99 |
GMC Terrain SLE AWD | $1,182 | $99 |
GMC Terrain SLT 2WD | $1,220 | $102 |
GMC Terrain SLT AWD | $1,254 | $105 |
Rates assume 2018 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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 GMC Terrain | $250 | $450 | $384 | $1,220 |
2017 GMC Terrain | $240 | $424 | $388 | $1,188 |
2015 GMC Terrain | $214 | $350 | $390 | $1,090 |
2014 GMC Terrain | $206 | $328 | $394 | $1,064 |
2012 GMC Terrain | $186 | $284 | $402 | $1,008 |
2011 GMC Terrain | $182 | $258 | $406 | $982 |
Rates are averaged for all GMC Terrain models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper GMC Terrain Insurance
Finding better rates on auto insurance consists of being a low-risk driver, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a condensed summary of the data that was presented in the illustrations above.
- It is possible to save up to $150 per year simply by quoting online in advance
- Consumers who may need more liability coverage will pay an extra $420 annually to raise from 30/60 bodily injury limits to the 250/500 level
- Teen drivers are the costliest to insure, with premiums being up to $382 per month if full coverage is purchased
- Drivers with multiple at-fault accidents could be forced to pay on average $1,420 more every year to insure their Terrain
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.
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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.
Vehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2020 GMC Terrain SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
2020 GMC Terrain SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
2019 GMC Terrain SUV FWD | 5 stars | 5 stars | 5 stars | 4 stars |
2019 GMC Terrain SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
2018 GMC Terrain SUV FWD Later Release | 5 stars | 5 stars | 5 stars | 4 stars |
2018 GMC Terrain SUV FWD Early Release | 4 stars | 5 stars | 4 stars | 4 stars |
2018 GMC Terrain SUV AWD Later Release | 5 stars | 5 stars | 5 stars | 4 stars |
2018 GMC Terrain SUV AWD Early Release | 4 stars | 5 stars | 4 stars | 4 stars |
2017 GMC Terrain SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2017 GMC Terrain SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
2016 GMC Terrain SUV FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2016 GMC Terrain SUV AWD | 4 stars | 4 stars | 5 stars | 4 stars |
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.
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.
Insurance Coverage Category | Loss Rate |
---|---|
Collision | -11% |
Property Damage | -17% |
Comprehensive | -19% |
Personal Injury | -4% |
Medical Payment | -8% |
Bodily Injury | -14% |
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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,582 |
20 | $2,810 |
30 | $1,266 |
40 | $1,220 |
50 | $1,116 |
60 | $1,094 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,528 |
$250 | $1,384 |
$500 | $1,220 |
$1,000 | $1,060 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,220 |
50/100 | $1,331 |
100/300 | $1,427 |
250/500 | $1,676 |
100 CSL | $1,369 |
300 CSL | $1,580 |
500 CSL | $1,734 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,538 |
20 | $4,476 |
30 | $2,694 |
40 | $2,640 |
50 | $2,518 |
60 | $2,496 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $65 |
Multi-vehicle | $65 |
Homeowner | $19 |
5-yr Accident Free | $89 |
5-yr Claim Free | $79 |
Paid in Full/EFT | $55 |
Advance Quote | $60 |
Online Quote | $87 |
Total Discounts | $519 |
Discounts are estimated and may not be available from every company or in every state.
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