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2015 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 2015 GMC Terrain are $1,220 a year including full coverage. Comprehensive costs on average $250, collision costs $450, and liability insurance costs around $384. Buying a liability-only policy costs as low as $432 a year, with high-risk insurance costing around $2,640. Teen drivers receive the highest rates at $4,582 a year or more.

Annual premium for full coverage: $1,220

Rate estimates for 2015 GMC Terrain Insurance

Comprehensive $250
Collision $450
Liability $384

Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 the average driver, prices range go from as low as $432 for only liability insurance to the much higher price of $2,640 for a driver that may need high-risk insurance.

Liability Only $432
Full Coverage $1,220
High Risk $2,640

View Chart as Image

2015 GMC Terrain insurance rates compared
Column chart showing 2015 GMC Terrain insurance prices range from $701 to $4,582 for full coverage

These differences highlight why everyone should compare prices based on a specific location and risk profile, rather than relying on 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 2015 GMC Terrain Insurance

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Having to pay for overpriced insurance coverage can dwindle your checking account and force you to make sacrifices. Comparison shopping is a great way to reduce premiums and put more money in your pocket. Multiple insurers compete for your business, so it can be very hard to choose a insurance company and get the definite lowest rate possible.

Smart consumers take time to shop coverage around every six months because prices trend upward over time. If you had the best price on Terrain insurance a year ago you can probably find a lower rate today. So just block out anything you think you know about insurance coverage because I’m going to teach you one of the best ways to save money, get proper coverage and the best rates.

If you have a current insurance coverage policy or need new coverage, you can use this information to find the best rates while maintaining coverages. Finding affordable coverage is quite easy. Drivers just need to understand the most efficient way to shop online.

Save big with these discounts

Companies offering auto insurance don’t always list all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Low Mileage Discounts – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Good Student – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.

Keep in mind that most discounts do not apply the whole policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

Insurance companies that possibly offer these discounts are:

Double check with every prospective company how you can save money. Discounts might not apply in your area.

Insurance Coverage Comparisons

Most major insurance companies give prices directly from their websites. The process is pretty easy as you simply type in the coverages you want into the quote form. When complete, the system sends out for your driving and credit reports and generates a price based on many factors. Online price quotes makes comparing rates easy, but the process of having to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it is imperative to get many rate quotes in order to find better prices.

A quicker way to get multiple rate quotes is to use a quote form that gets prices from more than one company. It saves time, requires much less work on your part, and makes rate comparisons much more efficient. After sending your information, it is quoted with multiple companies and you can pick any or none of the quote results. If you find a better price you can click and sign and purchase the new policy. The whole process just takes a couple of minutes and may save quite a bit of money.

In order to fill out one form to compare multiple rates now, click here to open in new window and enter your information. If you have a policy now, it’s recommended that you enter coverages and limits exactly as they are listed on your policy. This ensures you will receive a rate comparison based on the exact same insurance coverage.

But I don’t know anything about car insurance

When choosing the best insurance coverage coverage, there is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might point out if you might need professional guidance.

  • What is no-fault insurance?
  • Does my car insurance cover rental cars?
  • What if I owe more than I can insure my car for?
  • How much can I save by bundling my policies?
  • Should I buy only the required minimum liability coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • I have a DUI can I still get coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Free Auto Insurance Comparison

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

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Car insurance coverages for a GMC Terrain

Having a good grasp of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like hospital visits, rehabilitation expenses and chiropractic care. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Liability insurance

This coverage protects you from damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage pays for things like funeral expenses, medical services and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

Collision insurance pays for damage to your Terrain from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like rolling your car, crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your GMC Terrain.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hail damage and a broken windshield. 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 probably time to drop comprehensive insurance.

Best coverage at the best price

Low-cost 2015 GMC Terrain insurance is possible from both online companies and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

We just presented a lot of tips how to shop for insurance online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with some of the smallest insurance companies. These companies can often provide lower rates in certain areas as compared to the big name companies such as GEICO and State Farm.

To read more, feel free to browse the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2015 GMC Terrain Insurance Rates by City
City Premium
New York City, NY $1,923
Los Angeles, CA $2,082
Philadelphia, PA $1,624
Jacksonville, FL $1,766
Phoenix, AZ $1,411
Chicago, IL $1,631
Houston, TX $1,908
Seattle, WA $1,182
Columbus, OH $1,014
Indianapolis, IN $1,037

Need a specific model?

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Rates by Driver Age

2015 GMC Terrain Insurance 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

2015 GMC Terrain Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,528
$250 $1,384
$500 $1,220
$1,000 $1,060

Full coverage, driver age 40

Rates by Liability Limit

GMC Terrain Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,220
50/100 $1,297
100/300 $1,393
250/500 $1,642
100 CSL $1,335
300 CSL $1,546
500 CSL $1,700

Full coverage, driver age 40

Rates for High Risk Drivers

2015 GMC Terrain Insurance 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.

SR-22 Surcharge $171

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
Rate after discounts $701

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

Find companies with the cheapest rates in your area

2015 GMC Terrain Insurance Rates by State
State Premium
Alabama $1,100
Alaska $934
Arizona $1,008
Arkansas $1,220
California $1,388
Colorado $1,162
Connecticut $1,250
Delaware $1,376
Florida $1,522
Georgia $1,126
Hawaii $874
Idaho $824
Illinois $906
Indiana $918
Iowa $822
Kansas $1,154
Kentucky $1,662
Louisiana $1,804
Maine $752
Maryland $1,004
Massachusetts $972
Michigan $2,112
Minnesota $1,020
Mississippi $1,458
Missouri $1,080
Montana $1,306
Nebraska $958
Nevada $1,458
New Hampshire $878
New Jersey $1,360
New Mexico $1,076
New York $1,282
North Carolina $700
North Dakota $998
Ohio $838
Oklahoma $1,250
Oregon $1,116
Pennsylvania $1,160
Rhode Island $1,624
South Carolina $1,106
South Dakota $1,028
Tennessee $1,066
Texas $1,468
Utah $900
Vermont $832
Virginia $730
Washington $938
West Virginia $1,116
Wisconsin $842
Wyoming $1,084

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