GMC Terrain Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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.

U.S. average auto insurance rates for a GMC Terrain are $1,220 annually including full coverage. Comprehensive costs on average $250, collision insurance costs $450, and liability coverage costs around $384. Liability-only insurance costs as low as $432 a year, and high-risk driver insurance costs around $2,640. Teenage drivers pay the highest rates at up to $4,582 a year.

Average premium for full coverage: $1,220

Price estimates by individual coverage:

Comprehensive $250
Collision $450
Liability $384

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Terrain models.

Price Range from Low to High

Using a middle-aged driver as an example, GMC Terrain insurance prices range from as cheap as $432 for basic liability insurance to the much higher price of $2,640 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

The ranges above highlight why everyone should compare prices based on a specific location and their own personal driving habits, rather than using average rates.

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

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

Rate Comparisons

The chart below breaks down average GMC Terrain insurance rates for different risk profiles and scenarios.

  • The best discount rate is $701
  • Using higher $1,000 deductibles will save around $160 every year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,220
  • Using pricier low deductibles for physical damage coverage will cost $1,528
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,640
  • The price with full coverage for a teenage driver for full coverage may cost $4,582 or more

View Chart as Image

GMC Terrain insurance cost comparison chart
Column chart showing GMC Terrain insurance rates range from $701 to $4,582 for full coverage

Car insurance prices for a GMC Terrain are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,000 extra each year, depending on your age. GMC Terrain insurance for high-risk drivers can be around 44% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $470 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on GMC Terrain insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,740 on average in Michigan, New York, and Louisiana.

GMC Terrain Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,100 -$120 -9.8%
Alaska $934 -$286 -23.4%
Arizona $1,008 -$212 -17.4%
Arkansas $1,220 -$0 0.0%
California $1,388 $168 13.8%
Colorado $1,162 -$58 -4.8%
Connecticut $1,250 $30 2.5%
Delaware $1,376 $156 12.8%
Florida $1,522 $302 24.8%
Georgia $1,126 -$94 -7.7%
Hawaii $874 -$346 -28.4%
Idaho $824 -$396 -32.5%
Illinois $906 -$314 -25.7%
Indiana $918 -$302 -24.8%
Iowa $822 -$398 -32.6%
Kansas $1,154 -$66 -5.4%
Kentucky $1,662 $442 36.2%
Louisiana $1,804 $584 47.9%
Maine $752 -$468 -38.4%
Maryland $1,004 -$216 -17.7%
Massachusetts $972 -$248 -20.3%
Michigan $2,112 $892 73.1%
Minnesota $1,020 -$200 -16.4%
Mississippi $1,458 $238 19.5%
Missouri $1,080 -$140 -11.5%
Montana $1,306 $86 7.0%
Nebraska $958 -$262 -21.5%
Nevada $1,458 $238 19.5%
New Hampshire $878 -$342 -28.0%
New Jersey $1,360 $140 11.5%
New Mexico $1,076 -$144 -11.8%
New York $1,282 $62 5.1%
North Carolina $700 -$520 -42.6%
North Dakota $998 -$222 -18.2%
Ohio $838 -$382 -31.3%
Oklahoma $1,250 $30 2.5%
Oregon $1,116 -$104 -8.5%
Pennsylvania $1,160 -$60 -4.9%
Rhode Island $1,624 $404 33.1%
South Carolina $1,106 -$114 -9.3%
South Dakota $1,028 -$192 -15.7%
Tennessee $1,066 -$154 -12.6%
Texas $1,468 $248 20.3%
Utah $900 -$320 -26.2%
Vermont $832 -$388 -31.8%
Virginia $730 -$490 -40.2%
Washington $938 -$282 -23.1%
West Virginia $1,116 -$104 -8.5%
Wisconsin $842 -$378 -31.0%
Wyoming $1,084 -$136 -11.1%

View Chart as Image

GMC Terrain insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

GMC Terrain Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
GMC Terrain SLE 2WD $1,182 $99
GMC Terrain SLE AWD $1,182 $99
GMC Terrain SLT 2WD $1,220 $102
GMC Terrain SLT AWD $1,254 $105

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.

GMC Terrain Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 GMC Terrain $250 $450 $384 $1,220
2017 GMC Terrain $240 $424 $388 $1,188
2015 GMC Terrain $214 $350 $390 $1,090
2014 GMC Terrain $206 $328 $394 $1,064
2012 GMC Terrain $186 $284 $402 $1,008
2011 GMC Terrain $182 $258 $406 $982

Rates are averaged for all GMC Terrain models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy More Affordable GMC Terrain Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having a good credit score, being claim-free, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a summary of the data touched on in the above illustrations.

  • Consumers who require higher liability limits will pay an extra $420 per year to increase from a low limit to higher 250/500 limits
  • You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles could save up to $475 each year
  • Teenagers are expensive to insure, possibly costing $382 a month if comprehensive and collision insurance is included

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.

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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.

GMC Terrain Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 GMC Terrain SUV FWD5 stars5 stars5 stars4 stars
2020 GMC Terrain SUV AWD5 stars5 stars5 stars4 stars
2019 GMC Terrain SUV FWD5 stars5 stars5 stars4 stars
2019 GMC Terrain SUV AWD5 stars5 stars5 stars4 stars
2018 GMC Terrain SUV FWD Later Release5 stars5 stars5 stars4 stars
2018 GMC Terrain SUV FWD Early Release4 stars5 stars4 stars4 stars
2018 GMC Terrain SUV AWD Later Release5 stars5 stars5 stars4 stars
2018 GMC Terrain SUV AWD Early Release4 stars5 stars4 stars4 stars
2017 GMC Terrain SUV FWD4 stars4 stars5 stars4 stars
2017 GMC Terrain SUV AWD4 stars4 stars5 stars4 stars
2016 GMC Terrain SUV FWD4 stars4 stars5 stars4 stars
2016 GMC Terrain SUV AWD4 stars4 stars5 stars4 stars

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.

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.

GMC Terrain Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-11%
Property Damage-17%
Comprehensive-19%
Personal Injury-4%
Medical Payment-8%
Bodily Injury-14%

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.

Rates by Driver Age

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

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 $1,331
100/300 $1,427
250/500 $1,676
100 CSL $1,369
300 CSL $1,580
500 CSL $1,734

Full coverage, driver age 40

Rates for High Risk Drivers

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.

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