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.

U.S. average auto insurance rates for a GMC Terrain are $1,090 annually including full coverage. Comprehensive costs on average $214 each year, collision costs $350, and liability is estimated at $390. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing around $2,352. Teenage drivers pay the highest rates at $4,172 a year or more.

Average premium for full coverage: $1,090

Price estimates by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above highlight why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $639
• Choosing higher $1,000 deductibles can save around $130 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,090
• Using low deductibles for comp and collision coverage will cost $1,336
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,352 or more
• The price with full coverage for a 16-year-old driver may cost $4,172 each year

View Chart as Image

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.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,000 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,100 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 $1,300 to $1,800 extra each year, depending on your age. Insurance for high-risk drivers ranges from 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $380 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for GMC Terrain insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,550 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy the Best Cheap GMC Terrain Insurance

Getting lower rates on insurance for a GMC Terrain takes being safe and accident-free, having a good credit score, being claim-free, and maximizing policy discounts. Take the time to compare rates at every policy renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a quick review of the data covered in the above illustrations.

• Insureds who require more liability protection will pay an extra $430 per year to raise limits from a low limit to higher 250/500 limits
• You may be able to save as much as $130 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $375 each year
• Youthful drivers are expensive to insure, possibly costing $348 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.

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.