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 $1,220 annually including full coverage. Comprehensive costs around $250, collision insurance costs $450, and liability is estimated at $384. A policy with just liability insurance costs approximately $432 a year, and coverage for high-risk drivers costs around $2,640. 16-year-old drivers receive the highest rates at up to $4,582 a year.

Average premium for full coverage: $1,220

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Terrain models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples highlight why everyone should get quotes for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Additional Rate Analysis

The chart below breaks down average GMC Terrain insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $701
• Choosing higher $1,000 deductibles can save about $160 every year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,220
• Buying pricier low deductibles for comp and collision coverage will cost $1,528
• Unlucky drivers with multiple tickets or accidents could pay at least $2,640
• The cost with full coverage for a teen driver for full coverage can be $4,582 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,500 to $2,000 additional per year, depending on your age. GMC Terrain insurance for high-risk drivers ranges as much as 44% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $470 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $345 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for GMC Terrain insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,740 on average in Michigan, New York, and Louisiana.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Best Cheap GMC Terrain Insurance

Saving money on car insurance takes being safe and accident-free, having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a quick review of the material that was covered above.

• Policyholders who may need more liability protection will pay around $420 per year to raise limits from a minimum limit to higher 250/500 limits
• Youthful drivers are charged the highest rates, as much as $382 per month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,420 more every year than a low-risk driver
• Increasing deductibles could save up to $475 each year

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.

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.

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.