GMC Terrain Insurance Rates
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UPDATED: May 11, 2024
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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.
Estimated auto insurance rates for a GMC Terrain are $1,046 annually including full coverage. Comprehensive costs an estimated $202, collision insurance costs $306, and liability is $402. Liability-only coverage costs around $446 a year, and high-risk coverage costs around $2,252. Teens pay the most at up to $4,036 a year.
Average premium for full coverage: $1,046
Premium estimates broken down by type of coverage:
Includes $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all Terrain models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a GMC Terrain range from as cheap as $446 for the bare minimum liability coverage to the much higher price of $2,252 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on insurance prices.
These rate differences highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.
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.
Additional Rate Information
The chart below breaks down average GMC Terrain insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $616
- Raising to $1,000 deductibles will save approximately $116 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,046
- Selecting pricier low deductibles will cost $1,266
- Drivers with serious driving violations could pay up to $2,252
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost as much as $4,036
Insurance prices for a GMC Terrain also have a wide range based on the model of your Terrain, your driving characteristics, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $1,200 to $1,700 extra annually, depending on your age. GMC Terrain insurance for high-risk drivers is expensive and can cost from 42% to 128% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on GMC Terrain insurance prices. A middle-age driver might find prices as low as $800 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,490 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $944 | -$102 | -9.8% |
Alaska | $800 | -$246 | -23.5% |
Arizona | $868 | -$178 | -17.0% |
Arkansas | $1,046 | -$0 | 0.0% |
California | $1,190 | $144 | 13.8% |
Colorado | $996 | -$50 | -4.8% |
Connecticut | $1,074 | $28 | 2.7% |
Delaware | $1,180 | $134 | 12.8% |
Florida | $1,304 | $258 | 24.7% |
Georgia | $966 | -$80 | -7.6% |
Hawaii | $750 | -$296 | -28.3% |
Idaho | $706 | -$340 | -32.5% |
Illinois | $778 | -$268 | -25.6% |
Indiana | $788 | -$258 | -24.7% |
Iowa | $704 | -$342 | -32.7% |
Kansas | $992 | -$54 | -5.2% |
Kentucky | $1,424 | $378 | 36.1% |
Louisiana | $1,546 | $500 | 47.8% |
Maine | $644 | -$402 | -38.4% |
Maryland | $862 | -$184 | -17.6% |
Massachusetts | $834 | -$212 | -20.3% |
Michigan | $1,812 | $766 | 73.2% |
Minnesota | $876 | -$170 | -16.3% |
Mississippi | $1,252 | $206 | 19.7% |
Missouri | $928 | -$118 | -11.3% |
Montana | $1,122 | $76 | 7.3% |
Nebraska | $822 | -$224 | -21.4% |
Nevada | $1,252 | $206 | 19.7% |
New Hampshire | $754 | -$292 | -27.9% |
New Jersey | $1,170 | $124 | 11.9% |
New Mexico | $922 | -$124 | -11.9% |
New York | $1,100 | $54 | 5.2% |
North Carolina | $602 | -$444 | -42.4% |
North Dakota | $858 | -$188 | -18.0% |
Ohio | $720 | -$326 | -31.2% |
Oklahoma | $1,072 | $26 | 2.5% |
Oregon | $958 | -$88 | -8.4% |
Pennsylvania | $996 | -$50 | -4.8% |
Rhode Island | $1,394 | $348 | 33.3% |
South Carolina | $946 | -$100 | -9.6% |
South Dakota | $882 | -$164 | -15.7% |
Tennessee | $914 | -$132 | -12.6% |
Texas | $1,260 | $214 | 20.5% |
Utah | $774 | -$272 | -26.0% |
Vermont | $712 | -$334 | -31.9% |
Virginia | $628 | -$418 | -40.0% |
Washington | $806 | -$240 | -22.9% |
West Virginia | $958 | -$88 | -8.4% |
Wisconsin | $722 | -$324 | -31.0% |
Wyoming | $930 | -$116 | -11.1% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
GMC Terrain SLE 2WD | $1,020 | $85 |
GMC Terrain SLE AWD | $1,020 | $85 |
GMC Terrain SLT 2WD | $1,046 | $87 |
GMC Terrain SLT AWD | $1,070 | $89 |
Rates assume 2013 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 |
---|---|---|---|---|
2024 GMC Terrain | $322 | $562 | $316 | $1,336 |
2023 GMC Terrain | $306 | $542 | $332 | $1,316 |
2022 GMC Terrain | $294 | $536 | $338 | $1,304 |
2021 GMC Terrain | $284 | $524 | $354 | $1,298 |
2020 GMC Terrain | $274 | $502 | $364 | $1,276 |
2019 GMC Terrain | $260 | $484 | $376 | $1,256 |
2018 GMC Terrain | $250 | $450 | $384 | $1,220 |
2017 GMC Terrain | $240 | $424 | $388 | $1,188 |
2016 GMC Terrain | $230 | $380 | $390 | $1,136 |
2015 GMC Terrain | $214 | $350 | $390 | $1,090 |
2014 GMC Terrain | $206 | $328 | $394 | $1,064 |
2013 GMC Terrain | $202 | $306 | $402 | $1,046 |
2012 GMC Terrain | $186 | $284 | $402 | $1,008 |
2011 GMC Terrain | $182 | $258 | $406 | $982 |
2010 GMC Terrain | $170 | $236 | $402 | $944 |
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 the Cheapest GMC Terrain Insurance
Finding better rates on insurance for a GMC Terrain consists of being safe and accident-free, having a good credit history, refrain from filing small claims, and deciding if full coverage is necessary. Make time to compare rates every year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
Below you'll find a recap of the coverage data touched on in this article.
- You may be able to save approximately $120 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $325 each year
- Youthful drivers are charged the highest prices, with the cost nearing $336 per month including comprehensive and collision insurance
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,210 more annually than a low-risk driver
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 RatingsVehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
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 |
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 ProbabilityInsurance Coverage Category | Loss 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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,036 |
20 | $2,392 |
30 | $1,076 |
40 | $1,046 |
50 | $958 |
60 | $938 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,266 |
$250 | $1,164 |
$500 | $1,046 |
$1,000 | $930 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,046 |
50/100 | $1,150 |
100/300 | $1,251 |
250/500 | $1,512 |
100 CSL | $1,191 |
300 CSL | $1,412 |
500 CSL | $1,573 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,726 |
20 | $3,808 |
30 | $2,288 |
40 | $2,252 |
50 | $2,148 |
60 | $2,128 |
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.
Discount | Savings |
---|---|
Multi-policy | $55 |
Multi-vehicle | $56 |
Homeowner | $17 |
5-yr Accident Free | $70 |
5-yr Claim Free | $67 |
Paid in Full/EFT | $43 |
Advance Quote | $49 |
Online Quote | $73 |
Total Discounts | $430 |
Discounts are estimated and may not be available from every company or in every state.
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