GMC Terrain Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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:

Comprehensive $274
Collision $502
Liability $364

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.

Liability Only $416
Full Coverage $1,276
High Risk $2,766

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.

Rural Areas $957
Small Cities $1,340
Large Cities $1,723

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

View Chart as Image

GMC Terrain insurance cost comparison chart
Column chart showing full coverage GMC Terrain insurance rates range from $730 to $4,736

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.

GMC Terrain Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,154 -$122 -9.6%
Alaska $978 -$298 -23.4%
Arizona $1,058 -$218 -17.1%
Arkansas $1,276 -$0 0.0%
California $1,454 $178 13.9%
Colorado $1,218 -$58 -4.5%
Connecticut $1,310 $34 2.7%
Delaware $1,442 $166 13.0%
Florida $1,594 $318 24.9%
Georgia $1,182 -$94 -7.4%
Hawaii $916 -$360 -28.2%
Idaho $866 -$410 -32.1%
Illinois $950 -$326 -25.5%
Indiana $962 -$314 -24.6%
Iowa $860 -$416 -32.6%
Kansas $1,210 -$66 -5.2%
Kentucky $1,740 $464 36.4%
Louisiana $1,888 $612 48.0%
Maine $790 -$486 -38.1%
Maryland $1,054 -$222 -17.4%
Massachusetts $1,018 -$258 -20.2%
Michigan $2,216 $940 73.7%
Minnesota $1,070 -$206 -16.1%
Mississippi $1,528 $252 19.7%
Missouri $1,134 -$142 -11.1%
Montana $1,370 $94 7.4%
Nebraska $1,006 -$270 -21.2%
Nevada $1,530 $254 19.9%
New Hampshire $920 -$356 -27.9%
New Jersey $1,426 $150 11.8%
New Mexico $1,128 -$148 -11.6%
New York $1,342 $66 5.2%
North Carolina $734 -$542 -42.5%
North Dakota $1,044 -$232 -18.2%
Ohio $880 -$396 -31.0%
Oklahoma $1,308 $32 2.5%
Oregon $1,170 -$106 -8.3%
Pennsylvania $1,216 -$60 -4.7%
Rhode Island $1,702 $426 33.4%
South Carolina $1,156 -$120 -9.4%
South Dakota $1,078 -$198 -15.5%
Tennessee $1,118 -$158 -12.4%
Texas $1,538 $262 20.5%
Utah $944 -$332 -26.0%
Vermont $872 -$404 -31.7%
Virginia $762 -$514 -40.3%
Washington $986 -$290 -22.7%
West Virginia $1,170 -$106 -8.3%
Wisconsin $882 -$394 -30.9%
Wyoming $1,134 -$142 -11.1%

View Chart as Image

GMC Terrain insurance rates by U.S. city

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

GMC Terrain Insurance Rates by Model and Trim Level
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.

GMC Terrain Insurance Rates by Model Year
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.

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
Get Your Rates Quote Now

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%
Get Your Rates Quote Now

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 $4,736
20 $2,946
30 $1,334
40 $1,276
50 $1,168
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

GMC Terrain Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,460
$500 $1,276
$1,000 $1,100

Full coverage, driver age 40

Rates by Liability Limit

GMC Terrain Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,276
50/100 $1,389
100/300 $1,480
250/500 $1,716
100 CSL $1,425
300 CSL $1,625
500 CSL $1,771

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Terrain Insurance Rates for High Risk Drivers
Age Premium
16 $6,768
20 $4,690
30 $2,828
40 $2,766
50 $2,638
60 $2,614

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 $179

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $67
Homeowner $19
5-yr Accident Free $95
5-yr Claim Free $83
Paid in Full/EFT $59
Advance Quote $64
Online Quote $91
Total Discounts $546
Rate after discounts $730

Discounts are estimated and may not be available from every company or in every state.

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