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2012 GMC Terrain Insurance Rates

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

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 2012 GMC Terrain are $1,090 a year for full coverage. Comprehensive costs an estimated $214 a year, collision insurance costs $350, and liability coverage costs around $390. Buying a liability-only policy costs as low as $438 a year, and high-risk insurance costs around $2,352. Teen drivers receive the highest rates at up to $4,172 a year.

Annual premium for full coverage: $1,090

Rate estimates for 2012 GMC Terrain Insurance

Comprehensive $214
Collision $350
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 range from as low as $438 for the bare minimum liability coverage to a high of $2,352 for a driver who has had serious violations or accidents.

Liability Only $438
Full Coverage $1,090
High Risk $2,352

View Chart as Image

2012 GMC Terrain insurance rates compared
Column chart showing 2012 GMC Terrain insurance prices range from $639 to $4,172 for full coverage

These differences show why it is important for drivers to compare prices for a targeted area 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 2012 GMC Terrain Insurance

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Trying to find better car insurance rates for your GMC Terrain? Paying for high-priced GMC Terrain insurance can take a big chunk out of your bank account and force you to prioritize other expenses. Comparison shopping is a smart way to make sure you’re not throwing money away. Because you have many options when it comes to car insurance, it can be impossible to pick the lowest price provider.

Consumers should take time to price shop coverage every six months because insurance rates are adjusted regularly by insurance companies. Even if you think you had the best rates for Terrain insurance a couple years back you may be paying too much now. You can find a lot of misleading information regarding car insurance online, so by reading this article, you’re going to learn some good information on how to put money back in your pocket.

Finding affordable coverage is not rocket science. If you are insured now or are shopping for new coverage, you can learn to find better prices while maximizing coverage. Drivers only need an understanding of the tricks to compare company rates online.

Compare Quotes for Insurance

Getting a cheaper price on 2012 GMC Terrain insurance doesn’t have to be difficult. The only thing you need to do is invest a few minutes to compare quotes from different insurance companies. This can be done in several different ways.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form keeps you from doing repetitive form submissions to each individual insurance company. A single form gets rate comparisons instantly.
  2. Another way to obtain and compare quotes online consists of visiting the website for each individual company to complete their respective quote request forms. For instance, we’ll pretend you want to compare rates from State Farm, Farmers and American Family. To get each rate you have to spend time on each company’s site and enter your information, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same coverage information on every quote. If you have different liability limits it will be next to impossible to determine which rate is truly the best.

Discounts are great for lower rates

Auto insurance companies do not list all their discounts very well, so here is a list some of the more common and the more hidden car insurance savings. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Government Employees – Active or retired federal employment can earn a discount up to 10% for Terrain insurance with select insurance companies.
  • Paperless Signup – Some insurance companies may give you up to $50 just for signing your application over the internet.
  • Multi-policy Discount – When you have multiple policies with one company you may earn up to 20% off your total premium.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.

A little note about advertised discounts, most discounts do not apply the whole policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

Insurance companies that may offer these discounts include:

Check with each insurance company which discounts they offer. All car insurance discounts may not be available in your area.

You may need specialized coverage

When it comes to buying coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can help discover whether you will benefit from professional help.

  • Do I really need UM/UIM coverage?
  • Am I covered if I hit a deer?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my policy cover my teen driver if they drive my company car?
  • Is there coverage for injuries to my pets?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need replacement cost coverage on my 2012 GMC Terrain?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Free Auto Insurance Comparison

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

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Is there truth in advertising?

Consumers can’t get away from ads that promise big savings from companies such as Progressive, Allstate and GEICO. They all say the same thing that you can save if you change your policy.

But how can every company make the same claim? This is how they do it.

All companies are able to cherry pick for the driver that makes them money. A good example of a desirable insured might be profiled as a mature driver, has no driving citations, and chooses high deductibles. A customer getting a price quote who meets those qualifications gets the lowest rates and therefore will cut their rates substantially.

Consumers who don’t measure up to this ideal profile will be quoted higher rates and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “people who quote” save that much. That is how insurance companies can make those claims. This emphasizes why you absolutely need to compare many company’s rates. It’s just too difficult to predict which insurance companies will provide you with the cheapest GMC Terrain insurance rates.

Insurance coverages and their meanings

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills for hospital visits, EMT expenses, dental work, ambulance fees and surgery. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Liability insurance

Liability insurance can cover damage that occurs to people or other property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like repair bills for other people’s vehicles, loss of income and court costs. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your GMC Terrain.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, fire damage, damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This will pay to fix damage to your Terrain from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, hitting a parking meter, crashing into a building, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Smart shoppers get results

Cheap 2012 GMC Terrain insurance can be found on the web and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

You just learned many tips how you can compare insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the lowest priced auto insurance comes from an unexpected company. Smaller companies may have significantly lower rates on certain market segments compared to the large companies like GEICO and State Farm.

More tips and info about auto insurance can be read at these sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 GMC Terrain Insurance Rates by City
City Premium
New York City, NY $1,722
Los Angeles, CA $1,863
Philadelphia, PA $1,450
Jacksonville, FL $1,578
Phoenix, AZ $1,266
Chicago, IL $1,462
Houston, TX $1,706
Seattle, WA $1,061
Columbus, OH $908
Indianapolis, IN $929

Need a specific model?

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Rates by Driver Age

2012 GMC Terrain Insurance Rates by Driver Age
Driver Age Premium
16 $4,172
20 $2,502
30 $1,128
40 $1,090
50 $998
60 $978

Full coverage, $500 deductibles

Rates by Deductible

2012 GMC Terrain Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,336
$250 $1,222
$500 $1,090
$1,000 $960

Full coverage, driver age 40

Rates by Liability Limit

GMC Terrain Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,090
50/100 $1,168
100/300 $1,266
250/500 $1,519
100 CSL $1,207
300 CSL $1,422
500 CSL $1,578

Full coverage, driver age 40

Rates for High Risk Drivers

2012 GMC Terrain Insurance Rates for High Risk Drivers
Age Premium
16 $5,930
20 $3,984
30 $2,396
40 $2,352
50 $2,246
60 $2,224

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 $150

Potential Rate Discounts

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

Discount Savings
Multi-policy $57
Multi-vehicle $58
Homeowner $17
5-yr Accident Free $75
5-yr Claim Free $70
Paid in Full/EFT $46
Advance Quote $52
Online Quote $76
Total Discounts $451
Rate after discounts $639

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

Find companies with the cheapest rates in your area

2012 GMC Terrain Insurance Rates by State
State Premium
Alabama $986
Alaska $836
Arizona $904
Arkansas $1,090
California $1,242
Colorado $1,040
Connecticut $1,118
Delaware $1,230
Florida $1,360
Georgia $1,008
Hawaii $782
Idaho $738
Illinois $812
Indiana $822
Iowa $734
Kansas $1,036
Kentucky $1,486
Louisiana $1,612
Maine $674
Maryland $898
Massachusetts $868
Michigan $1,890
Minnesota $914
Mississippi $1,304
Missouri $968
Montana $1,170
Nebraska $858
Nevada $1,306
New Hampshire $786
New Jersey $1,218
New Mexico $964
New York $1,148
North Carolina $628
North Dakota $894
Ohio $750
Oklahoma $1,118
Oregon $998
Pennsylvania $1,036
Rhode Island $1,454
South Carolina $988
South Dakota $918
Tennessee $954
Texas $1,312
Utah $806
Vermont $744
Virginia $652
Washington $842
West Virginia $998
Wisconsin $752
Wyoming $968

Free Auto Insurance Comparison

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