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2014 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 2014 GMC Terrain are $1,188 a year with full coverage. Comprehensive insurance costs on average $240 a year, collision costs $424, and liability costs $388. Buying a liability-only policy costs as little as $434 a year, with high-risk insurance costing $2,568 or more. Teen drivers receive the highest rates at $4,482 a year or more.

Annual premium for full coverage: $1,188

Rate estimates for 2014 GMC Terrain Insurance

Comprehensive $240
Collision $424
Liability $388

Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 40-year-old driver, prices range go from as low as $434 for just liability insurance to a high of $2,568 for high-risk insurance.

Liability Only $434
Full Coverage $1,188
High Risk $2,568

View Chart as Image

2014 GMC Terrain insurance rates compared
Column chart showing 2014 GMC Terrain insurance prices range from $686 to $4,482 for full coverage

These differences demonstrate why it is important for drivers to compare rates based on a specific location and risk profile, instead of 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 2014 GMC Terrain Insurance

Searching Companies

Nobody likes having to buy car insurance, in particular when their premiums are too high. Having so many insurance companies to choose from, it can be hard to locate the best insurance company.

Save with discounts on 2014 GMC Terrain insurance

Car insurance is not cheap, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but a few need to be specially asked for before you will receive the discount. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Sign Online – Some insurance companies give back up to $50 just for signing your application digitally online.
  • Student in College – Children who live away from home without a vehicle on campus may qualify for this discount.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Terrain insurance than drivers with accidents.
  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Accident Free – Claim-free drivers can save substantially when compared with frequent claim filers.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Life Insurance Discount – Some companies give better rates if you take out a life insurance policy as well.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.

Consumers should know that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will reduce the cost of coverage.

To see a list of companies with discount auto insurance rates, click here.

Tailor your coverage to you

When choosing proper insurance coverage, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Can my teen drive my company car?
  • What is covered by UM/UIM coverage?
  • Is a fancy paint job covered?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I buy more coverage than the required minimum liability coverage?
  • Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Free Auto Insurance Comparison

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

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Specific coverage details

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages available from auto insurance companies.

Collision – This coverage will pay to fix damage to your Terrain resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, sustaining damage from a pot hole, hitting a mailbox and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses for EMT expenses, pain medications, surgery, prosthetic devices and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your GMC Terrain.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from 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 can pay for claims such as a broken windshield, damage from flooding, rock chips in glass, fire damage and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage – This coverage protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like legal defense fees, medical services and court costs. How much coverage you buy is a personal decision, but buy as much as you can afford.

Online plus local equals savings

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Discount 2014 GMC Terrain insurance can be sourced online and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not offer online quoting and these small insurance companies work with independent agents.

Additional information can be read on the following sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2014 GMC Terrain Insurance Rates by City
City Premium
New York City, NY $1,872
Los Angeles, CA $2,025
Philadelphia, PA $1,582
Jacksonville, FL $1,717
Phoenix, AZ $1,378
Chicago, IL $1,588
Houston, TX $1,856
Seattle, WA $1,149
Columbus, OH $990
Indianapolis, IN $1,010

Need a specific model?

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Rates by Driver Age

2014 GMC Terrain Insurance Rates by Driver Age
Driver Age Premium
16 $4,482
20 $2,734
30 $1,230
40 $1,188
50 $1,086
60 $1,066

Full coverage, $500 deductibles

Rates by Deductible

2014 GMC Terrain Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,478
$250 $1,342
$500 $1,188
$1,000 $1,036

Full coverage, driver age 40

Rates by Liability Limit

GMC Terrain Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,188
50/100 $1,266
100/300 $1,363
250/500 $1,615
100 CSL $1,304
300 CSL $1,518
500 CSL $1,673

Full coverage, driver age 40

Rates for High Risk Drivers

2014 GMC Terrain Insurance Rates for High Risk Drivers
Age Premium
16 $6,388
20 $4,356
30 $2,618
40 $2,568
50 $2,450
60 $2,428

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 $166

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $63
Homeowner $18
5-yr Accident Free $86
5-yr Claim Free $77
Paid in Full/EFT $53
Advance Quote $58
Online Quote $84
Total Discounts $502
Rate after discounts $686

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

Find companies with the cheapest rates in your area

2014 GMC Terrain Insurance Rates by State
State Premium
Alabama $1,070
Alaska $908
Arizona $984
Arkansas $1,188
California $1,350
Colorado $1,130
Connecticut $1,216
Delaware $1,338
Florida $1,480
Georgia $1,096
Hawaii $852
Idaho $802
Illinois $882
Indiana $894
Iowa $800
Kansas $1,126
Kentucky $1,616
Louisiana $1,754
Maine $732
Maryland $980
Massachusetts $946
Michigan $2,058
Minnesota $992
Mississippi $1,418
Missouri $1,052
Montana $1,272
Nebraska $934
Nevada $1,420
New Hampshire $856
New Jersey $1,324
New Mexico $1,046
New York $1,248
North Carolina $682
North Dakota $970
Ohio $818
Oklahoma $1,216
Oregon $1,086
Pennsylvania $1,130
Rhode Island $1,580
South Carolina $1,074
South Dakota $1,000
Tennessee $1,036
Texas $1,428
Utah $878
Vermont $810
Virginia $710
Washington $912
West Virginia $1,088
Wisconsin $818
Wyoming $1,054

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