2018 GMC Terrain Insurance Rates
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UPDATED: Nov 27, 2019
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Average insurance rates for a 2018 GMC Terrain are $1,298 a year with full coverage. Comprehensive insurance costs approximately $284 a year, collision insurance costs $524, and liability coverage costs $354. Buying a liability-only policy costs as little as $406 a year, and high-risk insurance costs $2,810 or more. Teenage drivers receive the highest rates at up to $4,782 a year.
Annual premium for full coverage: $1,298
Rate estimates for 2018 GMC Terrain Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 range from as low as $406 for just liability coverage to a high of $2,810 for high-risk insurance.
These differences demonstrate why it is important for drivers to compare rates using their specific location and risk profile, rather than using average rates.
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 2018 GMC Terrain Insurance
Finding the cheapest insurance for a new or used GMC Terrain could be difficult, but you can learn the following methods to make it easier.
There are more efficient ways to buy car insurance and we’ll show you the absolute fastest way to price shop coverage on a GMC and locate the lowest price from both online companies and local agents.
Use discounts on car insurance
The price of auto insurance can be rather high, but you can get discounts that you may not even know about. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specially asked for prior to receiving the credit.
- Telematics Data – Drivers who elect to allow their car insurance company to monitor their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if their driving habits are good.
- Active Service Discounts – Having a family member in the military could mean lower prices.
- Discount for Home Ownership – Being a homeowner can save a few bucks since home ownership requires a higher level of personal finance.
- Bundled Policy Discount – If you combine your homeowners and auto policies with the same insurance company you could earn a discount of over 10 percent off each policy depending on the company.
- Discounts for Multiple Vehicles – Buying coverage for multiple cars or trucks on the same car insurance policy qualifies for this discount.
- Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
- Discounts for Government Workers – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance for Terrain insurance depending on your car insurance provider.
- Distant Student Discount – Children who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
- 55 and Retired – If you qualify as a senior citizen, you can get reduced rates for Terrain insurance.
- Theft Deterent System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will qualify for a discount on a auto insurance quote.
Policy discounts save money, but some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.
A few of the larger companies and a summarized list of policyholder discounts can be read below.
- Mercury Insurance includes discounts for ease of repair, multi-car, good driver, age of vehicle, professional/association, and accident-free.
- Farmers Insurance may have discounts that include multi-car, good student, homeowner, alternative fuel, and mature driver.
- Farm Bureau may offer discounts for driver training, 55 and retired, youthful driver, good student, and multi-policy.
- State Farm offers discounts for good driver, anti-theft, multiple autos, Steer Clear safe driver discount, good student, and student away at school.
- Allstate offers discounts including utility vehicle, passive restraint, defensive driver, premier discount, anti-theft, and good student.
- GEICO policyholders can earn discounts including defensive driver, air bags, anti-theft, seat belt use, driver training, and emergency military deployment.
Before buying, ask every company which discounts they offer. Some discounts listed above may not be offered in your area.
The fastest way that we advise to compare rates is to know the trick most of the larger companies participate in a system to compare their rates. The only thing you need to do is give them rating details including coverage limits, whether you drive to work or school, any included safety features, and if your license is active. That rating information gets sent immediately to insurance carriers in your area and you should receive rate quotes instantly to find the best rate.
To check 2018 GMC Terrain insurance prices now, click here and complete the form.
Tailor your insurance coverage coverage to you
When it comes to buying coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.
Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.
- Can my teen drive my company car?
- Is my ex-spouse still covered by my policy?
- At what point should I drop full coverage?
- Should I waive the damage coverage when renting a car?
- Am I covered if I wreck a rental car?
- Does my personal policy cover me when driving out-of-state?
- Is my camper covered by my car insurance policy?
- Is my 2018 GMC Terrain covered for flood damage?
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.
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Parts of your car insurance policy
Having a good grasp of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like hail damage, rock chips in glass, falling objects, hitting a bird and damage from a tornado or hurricane. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like funeral costs, ambulance fees, EMT expenses and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible
Liability coverages – Liability coverage provides protection from damages or injuries you inflict on other people or property. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.
Liability insurance covers claims such as repair costs for stationary objects, medical expenses, bail bonds, pain and suffering and funeral expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford.
Collision – This pays for damage to your Terrain resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.
One last thing about your coverage
Some insurance providers may not provide rate quotes online and most of the time these regional carriers only sell coverage through local independent agents. Lower-priced auto insurance can be sourced from both online companies in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from.
We just showed you a lot of techniques to reduce 2018 GMC Terrain insurance prices online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the most savings is with an unexpected company.
Consumers change insurance companies for a number of reasons such as policy cancellation, lack of trust in their agent, high rates after DUI convictions or even high prices. Regardless of your reason, choosing a new company is easier than you think.
For more information, link through to the resources below:
Rates by U.S. City
|New York City, NY||$2,049|
|Los Angeles, CA||$2,217|
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||$98|
|5-yr Claim Free||$84|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.