1. Vehicles
  2. GMC
  3. Terrain

GMC Terrain Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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 ...

Full Bio →

Written by

UPDATED: Apr 9, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 $1,316 a year for full coverage. Comprehensive insurance costs on average $306 a year, collision costs $542, and liability is $332. Liability-only coverage costs around $388 a year, with high-risk coverage costing $2,836 or more. Teenage drivers receive the highest rates at $4,778 a year or more.

Average premium for full coverage: $1,316

Rate estimates by individual coverage type:

Comprehensive $306
Collision $542
Liability $332

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Terrain trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from the low end price of $388 for just the minimum liability insurance to a high of $2,836 for a driver required to buy high-risk insurance.

Liability Only $388
Full Coverage $1,316
High Risk $2,836

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have lower incidents of accident claims than densely populated cities.

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

Rural Areas $987
Small Cities $1,382
Large Cities $1,777

These examples show why it is important to compare rates quotes based on a specific location, instead of making a decision based on average rates.

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 Analysis

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

  • The best discount rate is $751
  • Raising to $1,000 deductibles will save around $1,124 a year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,316
  • Using low $100 deductibles will cost an additional $372 annually
  • Drivers who are prone to accidents and violations could pay upwards of $2,836 or more
  • The cost that insures a 16-year-old driver may cost $4,778

View Chart as Image

GMC Terrain insurance cost comparison chart
Column chart showing full coverage GMC Terrain insurance prices range from $751 to $4,778

Car insurance rates for a GMC Terrain can also vary considerably based on the trim level of your Terrain, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 127% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $4,700 a year. View Rates by Age

Where you live also has a big influence on GMC Terrain insurance prices. A middle-age driver might find rates as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,870 on average in Michigan, Louisiana, and New York.

GMC Terrain Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,188 -$128 -9.7%
Alaska $1,008 -$308 -23.4%
Arizona $1,088 -$228 -17.3%
Arkansas $1,316 -$0 0.0%
California $1,498 $182 13.8%
Colorado $1,252 -$64 -4.9%
Connecticut $1,350 $34 2.6%
Delaware $1,484 $168 12.8%
Florida $1,642 $326 24.8%
Georgia $1,216 -$100 -7.6%
Hawaii $944 -$372 -28.3%
Idaho $890 -$426 -32.4%
Illinois $978 -$338 -25.7%
Indiana $992 -$324 -24.6%
Iowa $888 -$428 -32.5%
Kansas $1,248 -$68 -5.2%
Kentucky $1,792 $476 36.2%
Louisiana $1,946 $630 47.9%
Maine $812 -$504 -38.3%
Maryland $1,086 -$230 -17.5%
Massachusetts $1,048 -$268 -20.4%
Michigan $2,282 $966 73.4%
Minnesota $1,100 -$216 -16.4%
Mississippi $1,574 $258 19.6%
Missouri $1,166 -$150 -11.4%
Montana $1,412 $96 7.3%
Nebraska $1,036 -$280 -21.3%
Nevada $1,576 $260 19.8%
New Hampshire $946 -$370 -28.1%
New Jersey $1,468 $152 11.6%
New Mexico $1,164 -$152 -11.6%
New York $1,382 $66 5.0%
North Carolina $756 -$560 -42.6%
North Dakota $1,076 -$240 -18.2%
Ohio $906 -$410 -31.2%
Oklahoma $1,348 $32 2.4%
Oregon $1,204 -$112 -8.5%
Pennsylvania $1,252 -$64 -4.9%
Rhode Island $1,752 $436 33.1%
South Carolina $1,192 -$124 -9.4%
South Dakota $1,108 -$208 -15.8%
Tennessee $1,150 -$166 -12.6%
Texas $1,586 $270 20.5%
Utah $972 -$344 -26.1%
Vermont $898 -$418 -31.8%
Virginia $786 -$530 -40.3%
Washington $1,014 -$302 -22.9%
West Virginia $1,206 -$110 -8.4%
Wisconsin $908 -$408 -31.0%
Wyoming $1,172 -$144 -10.9%

View Chart as Image

GMC Terrain insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $570 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different.

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 $1,274 $106
GMC Terrain SLE AWD $1,274 $106
GMC Terrain SLT 2WD $1,316 $110
GMC Terrain SLT AWD $1,358 $113

Rates assume 2020 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
2020 GMC Terrain $306 $542 $332 $1,316
2019 GMC Terrain $294 $536 $338 $1,304
2018 GMC Terrain $284 $524 $354 $1,298
2017 GMC Terrain $274 $502 $364 $1,276
2016 GMC Terrain $260 $484 $376 $1,256
2015 GMC Terrain $250 $450 $384 $1,220
2014 GMC Terrain $240 $424 $388 $1,188
2013 GMC Terrain $230 $380 $390 $1,136
2012 GMC Terrain $214 $350 $390 $1,090
2011 GMC Terrain $206 $328 $394 $1,064
2010 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 the Best GMC Terrain Insurance

Saving money on insurance for a GMC Terrain consists of being a good driver, having a positive credit history, eliminating unneeded coverage, and maximizing policy discounts. Compare prices at every policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief recap of the data covered in the above illustrations.

  • Insureds who require an increased level of liability coverage will pay an extra $370 each year to raise from a minimum limit to the 250/500 level
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Increasing deductibles can save approximately $575 each year
  • Drivers age 16 to 20 are expensive to insure, costing as high as $398 per month if full coverage is purchased

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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 $4,778
20 $3,020
30 $1,378
40 $1,316
50 $1,198
60 $1,178

Full coverage, $500 deductibles

Rates by Deductible

GMC Terrain Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,688
$250 $1,516
$500 $1,316
$1,000 $1,124

Full coverage, driver age 40

Rates by Liability Limit

GMC Terrain Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,316
50/100 $1,424
100/300 $1,507
250/500 $1,723
100 CSL $1,458
300 CSL $1,640
500 CSL $1,773

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Terrain Insurance Rates for High Risk Drivers
Age Premium
16 $6,840
20 $4,800
30 $2,908
40 $2,836
50 $2,702
60 $2,676

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 $183

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $68
Homeowner $18
5-yr Accident Free $100
5-yr Claim Free $85
Paid in Full/EFT $63
Advance Quote $66
Online Quote $94
Total Discounts $565
Rate after discounts $751

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles