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.

Average insurance rates for a GMC Terrain are $1,090 a year including full coverage. Comprehensive insurance costs around $214, collision insurance costs $350, and liability coverage is estimated at $390. A liability-only policy costs approximately $438 a year, and high-risk insurance costs $2,352 or more. Teenage drivers receive the highest rates at up to $4,172 a year.

Average premium for full coverage: $1,090

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why everyone should get quotes for a specific zip code and risk profile, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $639
• Choosing higher $1,000 deductibles can save about $130 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,090
• Using pricier low deductibles for comp and collision coverage will cost an extra $246 each year
• Drivers who are prone to accidents and violations could pay at least $2,352
• The cost for full coverage for a teenage driver for full coverage can be $4,172 each year

View Chart as Image

Insurance rates for a GMC Terrain can also vary considerably based on your driver profile, the model of your Terrain, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,000 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $4,100 a year. View Rates by Age

Where you live plays a big part in determining prices for GMC Terrain insurance rates. 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

Using high physical damage deductibles can save as much as $380 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,300 to $1,800 extra per year, depending on your age. GMC Terrain insurance for high-risk drivers ranges around 43% to 133% more than a normal policy. View High Risk Driver Rates

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 Find the Best Cheap GMC Terrain Insurance

Saving money on auto insurance takes being safe and accident-free, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates at least every other year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below you'll find a quick review of the car insurance concepts covered in the above illustrations.

• Drivers with a DUI or reckless driving violation pay on average $1,260 more every year than a low-risk driver
• You may be able to save up to $130 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $375 each year
• Consumers who may need more liability protection will pay an extra $430 per year to raise limits from a minimum limit to 250/500 limits

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.