GMC Terrain Insurance Rates

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.

Estimated insurance prices for a GMC Terrain are $1,090 every 12 months including full coverage. Comprehensive insurance costs around $214 a year, collision costs $350, and liability insurance costs around $390. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing $2,352 or more. Teen drivers pay the most at $4,172 a year or more.

Average premium for full coverage: $1,090

Premium estimates for type of coverage:

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Terrain trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences highlight why it is important to compare prices for a specific zip code and their own driving history, rather than relying on price averages.

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

More Rate Information

The chart below breaks down estimated GMC Terrain insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $639
• Using higher $1,000 deductibles will save about $960 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,090
• Choosing low $100 deductibles for physical damage coverage costs an extra $246 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,352 or more
• An auto insurance policy to insure a teen driver can be $4,172 or more

View Chart as Image

Insurance prices for a GMC Terrain also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $380 each year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $4,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,300 to $1,800 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on GMC Terrain insurance rates. A driver around age 40 might see prices as low as $840 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,550 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2016 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.

How to Shop for Cheap GMC Terrain Insurance

Finding better rates on GMC Terrain insurance requires being a safe and courteous driver, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at least once a year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a brief summary of the primary concepts that were covered in the above illustrations.

• You may be able to save up to $130 per year simply by quoting early and online
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,260 more every year for auto insurance
• Increasing policy deductibles could save as much as $375 each year
• Teenage drivers pay higher prices, with the cost nearing $348 per month if they have full coverage

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.

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

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.

• Fiat 500X
• Ford Escape
• Subaru Forester

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

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.