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.

The average insurance rates for a GMC Terrain are $1,220 a year with full coverage. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $450, and liability coverage costs around $384. Buying just liability costs as low as $432 a year, and insurance for high-risk drivers costs $2,640 or more. Teenage drivers cost the most to insure at up to $4,582 a year.

Average premium for full coverage: $1,220

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Terrain trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates the difference location can make on insurance prices.

The examples above demonstrate why it is important to compare prices for a targeted area 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 details average GMC Terrain insurance rates for other coverage scenarios.

• The best discount rate is $701
• Using higher $1,000 deductibles will save approximately $1,060 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,220
• Using low $100 deductibles for physical damage coverage will cost an extra $308 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,640
• Policy cost for full coverage for a teenage driver can cost as much as $4,582 or more

View Chart as Image

Insurance rates for a GMC Terrain also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,500 a year. View Rates by Age

Your home state has a huge impact on GMC Terrain insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,640 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $470 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be around 44% to 137% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

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.

How to Find the Cheapest GMC Terrain Insurance

Finding cheaper rates on auto insurance requires being safe and accident-free, maintaining good credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at every other renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a recap of the concepts that were touched on in this article.

• Drivers that have major violations or accidents may pay on average $1,420 more annually than a low-risk driver
• Youthful drivers are charged the highest rates, as much as $382 each month for full coverage
• You may be able to save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• You may be able to save approximately $150 per year just by quoting early and online

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.

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.

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.