2013 GMC Terrain Insurance Rates
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UPDATED: Mar 30, 2020
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Average insurance rates for a 2013 GMC Terrain are $1,136 a year including full coverage. Comprehensive costs approximately $230 each year, collision costs $380, and liability coverage costs $390. Buying a liability-only policy costs as little as $438 a year, with high-risk insurance costing around $2,452. Teen drivers receive the highest rates at $4,314 a year or more.
Annual premium for full coverage: $1,136
Rate estimates for 2013 GMC Terrain Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 middle-aged driver, prices range go from as low as $438 for only liability insurance to a high rate of $2,452 for a high risk driver.
These differences highlight why all drivers should compare rates using their 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 2013 GMC Terrain Insurance
Searching for lower auto insurance rates for your GMC Terrain? Are you overwhelmed by the dozens of auto insurance options? You have a lot of company. Consumers have so many options available that it can quickly become a big hassle to find the best price.
Save money by taking advantage of these six discounts
Car insurance is not cheap, but you can get discounts that can drop the cost substantially. Most are applied when you purchase, but some must be specifically requested before being credited.
- College Student – Any of your kids who are attending college without a vehicle on campus may be able to be covered for less.
- Bundle and Save – If you have multiple policies with the same insurance company you may save up to 20% off your total premium.
- Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on Terrain insurance with a few insurance companies.
- Payment Method – If paying your policy premium upfront instead of paying each month you could save 5% or more.
- Sign Online – Certain companies will give a small break for buying your policy online.
- 55 and Retired – Mature drivers may qualify for a small decrease in premiums on Terrain insurance.
It’s important to understand that some of the credits will not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you could get a free insurance policy, companies wouldn’t make money that way. But any discount will bring down the amount you have to pay.
A partial list of companies that possibly offer these benefits may include but are not limited to:
Check with each insurance company how you can save money. Discounts may not apply in your area.
The most recommended method to get policy rate comparisons is to understand most larger insurance companies actually pay money for the chance to compare rate quotes. The only thing you need to do is provide information like types of safety features, daily mileage, how much education you have, and how you use your vehicles. That information is instantly provided to many of the top insurers and you will receive price estimates very quickly.
To start a quote now, click here and enter the information requested.
When should I use an insurance agent?
When choosing the best car insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.
For example, these questions might point out whether you would benefit from professional advice.
- How much liability coverage do I need in my state?
- Does my 2013 GMC Terrain qualify for pleasure use?
- Will I be non-renewed for getting a DUI or other conviction?
- What companies insure drivers after a DUI or DWI?
- Do I need motorclub coverage?
- What is PIP insurance?
- How do I file an SR-22 for a DUI in my state?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
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Can you really save that much by switching?
Car insurance providers like State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. They all have a common claim of big savings if you switch your coverage to them. How do they all make almost identical claims?
Insurance companies can use profiling for the driver they prefer to insure. A good example of a preferred risk could be a mature driver, has no tickets, and has great credit. Any new insured that hits that “sweet spot” will get the preferred rates and therefore will cut their rates substantially.
Potential insureds who are not a match for the “perfect” profile will have to pay a more expensive rate which leads to the customer not buying. Company advertisements say “drivers who switch” not “everyone that quotes” save that much. That’s why companies can truthfully state the savings.
Because of the profiling, it is so important to get as many comparisons as possible. Because you never know which insurance companies will provide you with the cheapest GMC Terrain insurance rates.
Specifics of your auto insurance policy
Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2013 GMC Terrain.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, hitting a bird, a tree branch falling on your vehicle, rock chips in glass and vandalism. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for nursing services, funeral costs, pain medications, EMT expenses and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible
Liability car insurance
Liability insurance provides protection from damage or injury you incur to other people or property. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims like funeral expenses, legal defense fees, pain and suffering, medical services and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as crashing into a ditch, scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.
More comparisons equals lower rates
While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where an insured dropped full coverage to discover at claim time that it was a big mistake. Your focus should be to buy a smart amount of coverage at a price you can afford.
We’ve covered a lot of tips how to get a better price on 2013 GMC Terrain insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with the least-expected company.
Cheap insurance is attainable online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
To learn more, feel free to visit these articles:
- What is a Telematics Device? (Allstate)
- Child Safety FAQ (iihs.org)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Understanding Car Crashes Video (iihs.org)
Rates by U.S. City
|New York City, NY||$1,794|
|Los Angeles, CA||$1,941|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$80|
|5-yr Claim Free||$73|
|Paid in Full/EFT||$49|
Discounts are estimated and may not be available from every company or in every state.