GMC Terrain Insurance Rates
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UPDATED: Apr 9, 2020
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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 $1,316 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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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.
|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.
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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.
|2020 GMC Terrain SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2020 GMC Terrain SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2019 GMC Terrain SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2019 GMC Terrain SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Terrain SUV FWD Later Release||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Terrain SUV FWD Early Release||4 stars||5 stars||4 stars||4 stars|
|2018 GMC Terrain SUV AWD Later Release||5 stars||5 stars||5 stars||4 stars|
|2018 GMC Terrain SUV AWD Early Release||4 stars||5 stars||4 stars||4 stars|
|2017 GMC Terrain SUV FWD||4 stars||4 stars||5 stars||4 stars|
|2017 GMC Terrain SUV AWD||4 stars||4 stars||5 stars||4 stars|
|2016 GMC Terrain SUV FWD||4 stars||4 stars||5 stars||4 stars|
|2016 GMC Terrain SUV AWD||4 stars||4 stars||5 stars||4 stars|
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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.
|Insurance Coverage Category||Loss Rate|
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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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$100|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.