GMC Terrain Insurance Rates
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UPDATED: Nov 27, 2019
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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.
Average insurance rates for a GMC Terrain are $1,276 a year for full coverage. Comprehensive costs on average $274 a year, collision costs $502, and liability insurance costs $364. A liability-only policy costs as little as $416 a year, with high-risk insurance costing around $2,766. Teen drivers receive the highest rates at $4,736 a year or more.
Average premium for full coverage: $1,276
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Terrain trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $416 for only liability insurance to a high of $2,766 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.
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.
Insurance Rate Analysis
The chart below shows estimated GMC Terrain insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $730
- Drivers who choose higher $1,000 deductibles will pay around $1,100 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,276
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,618
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,766 or more
- The cost for full coverage for a teen driver may cost $4,736 a year
for a GMC Terrain can also vary considerably based on your driver profile, the trim level of your Terrain, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,700 a year. View Rates by Age
Where you live makes a big difference in GMC Terrain insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,820 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $520 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|GMC Terrain SLE 2WD||$1,236||$103|
|GMC Terrain SLE AWD||$1,236||$103|
|GMC Terrain SLT 2WD||$1,276||$106|
|GMC Terrain SLT AWD||$1,316||$110|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2018 GMC Terrain||$274||$502||$364||$1,276|
|2017 GMC Terrain||$260||$484||$376||$1,256|
|2015 GMC Terrain||$240||$424||$388||$1,188|
|2014 GMC Terrain||$230||$380||$390||$1,136|
|2012 GMC Terrain||$206||$328||$394||$1,064|
|2011 GMC Terrain||$202||$306||$402||$1,046|
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 Find Cheaper GMC Terrain Insurance
Saving money on GMC Terrain insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $525 each year
- Drivers can save as much as $160 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $400 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $395 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,490 more each year for insurance
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.
|2020 GMC Terrain SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2020 GMC Terrain SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2019 GMC Terrain SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2019 GMC Terrain SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Terrain SUV FWD Later Release||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Terrain SUV FWD Early Release||4 stars||5 stars||4 stars||4 stars|
|2018 GMC Terrain SUV AWD Later Release||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Terrain SUV AWD Early Release||4 stars||5 stars||4 stars||4 stars|
|2017 GMC Terrain SUV FWD||4 stars||4 stars||5 stars||4 stars|
|2017 GMC Terrain SUV AWD||4 stars||4 stars||5 stars||4 stars|
|2016 GMC Terrain SUV FWD||4 stars||4 stars||5 stars||4 stars|
|2016 GMC Terrain SUV AWD||4 stars||4 stars||5 stars||4 stars|
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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.
|Insurance Coverage Category||Loss Rate|
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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.
Rate Tables and Charts
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||$95|
|5-yr Claim Free||$83|
|Paid in Full/EFT||$59|
Discounts are estimated and may not be available from every company or in every state.