1. Vehicles
  2. GMC
  3. Terrain

GMC Terrain Insurance Rates

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

GMC Terrain insurance

Average insurance rates for a GMC Terrain are $1,304 a year for full coverage. Comprehensive insurance costs on average $294 a year, collision costs $536, and liability is $338. Liability-only coverage costs around $394 a year, with high-risk coverage costing $2,822 or more. Teenage drivers receive the highest rates at $4,780 a year or more.

Average premium for full coverage: $1,304

Rate estimates by individual coverage type:

Comprehensive $294
Collision $536
Liability $338

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 $394 for just the minimum liability insurance to a high of $2,822 for a driver required to buy high-risk insurance.

Liability Only $394
Full Coverage $1,304
High Risk $2,822

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 $978
Small Cities $1,369
Large Cities $1,760

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 $743
  • Raising to $1,000 deductibles will save around $1,116 a year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,304
  • Using low $100 deductibles will cost an additional $368 annually
  • Drivers who are prone to accidents and violations could pay upwards of $2,822 or more
  • The cost that insures a 16-year-old driver may cost $4,780

View Chart as Image

GMC Terrain insurance cost comparison chart
Column chart showing full coverage GMC Terrain insurance prices range from $743 to $4,780

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 128% 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 $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,860 on average in Michigan, Louisiana, and New York.

GMC Terrain Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,178-$126-9.7%
Alaska$1,002-$302-23.2%
Arizona$1,084-$220-16.9%
Arkansas$1,304-$00.0%
California$1,488$18414.1%
Colorado$1,244-$60-4.6%
Connecticut$1,340$362.8%
Delaware$1,476$17213.2%
Florida$1,630$32625.0%
Georgia$1,206-$98-7.5%
Hawaii$940-$364-27.9%
Idaho$886-$418-32.1%
Illinois$972-$332-25.5%
Indiana$984-$320-24.5%
Iowa$878-$426-32.7%
Kansas$1,240-$64-4.9%
Kentucky$1,780$47636.5%
Louisiana$1,932$62848.2%
Maine$808-$496-38.0%
Maryland$1,076-$228-17.5%
Massachusetts$1,040-$264-20.2%
Michigan$2,264$96073.6%
Minnesota$1,094-$210-16.1%
Mississippi$1,562$25819.8%
Missouri$1,158-$146-11.2%
Montana$1,400$967.4%
Nebraska$1,026-$278-21.3%
Nevada$1,564$26019.9%
New Hampshire$940-$364-27.9%
New Jersey$1,458$15411.8%
New Mexico$1,154-$150-11.5%
New York$1,372$685.2%
North Carolina$752-$552-42.3%
North Dakota$1,070-$234-17.9%
Ohio$898-$406-31.1%
Oklahoma$1,338$342.6%
Oregon$1,196-$108-8.3%
Pennsylvania$1,244-$60-4.6%
Rhode Island$1,740$43633.4%
South Carolina$1,182-$122-9.4%
South Dakota$1,100-$204-15.6%
Tennessee$1,142-$162-12.4%
Texas$1,572$26820.6%
Utah$966-$338-25.9%
Vermont$892-$412-31.6%
Virginia$782-$522-40.0%
Washington$1,008-$296-22.7%
West Virginia$1,196-$108-8.3%
Wisconsin$902-$402-30.8%
Wyoming$1,162-$142-10.9%

View Chart as Image

GMC Terrain insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $560 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 $304 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 TrimAnnual PremiumMonthly Premium
GMC Terrain SLE 2WD$1,262$105
GMC Terrain SLE AWD$1,262$105
GMC Terrain SLT 2WD$1,304$109
GMC Terrain SLT AWD$1,346$112

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.

GMC Terrain Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2018 GMC Terrain$294$536$338$1,304
2017 GMC Terrain$284$524$354$1,298
2016 GMC Terrain$274$502$364$1,276
2015 GMC Terrain$260$484$376$1,256
2014 GMC Terrain$250$450$384$1,220
2013 GMC Terrain$240$424$388$1,188
2012 GMC Terrain$230$380$390$1,136
2011 GMC Terrain$214$350$390$1,090
2010 GMC Terrain$206$328$394$1,064

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 $550 each year
  • Drivers age 16 to 20 are expensive to insure, costing as high as $398 per month if full coverage is purchased

Rates by Driver Age

GMC Terrain Insurance Rates by Driver Age
Driver AgePremium
16$4,780
20$3,010
30$1,368
40$1,304
50$1,192
60$1,172

Full coverage, $500 deductibles

Rates by Deductible

GMC Terrain Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,672
$250$1,502
$500$1,304
$1,000$1,116

Full coverage, driver age 40

Rates by Liability Limit

GMC Terrain Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,304
50/100$1,414
100/300$1,498
250/500$1,718
100 CSL$1,447
300 CSL$1,633
500 CSL$1,769

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Terrain Insurance Rates for High Risk Drivers
AgePremium
16$6,836
20$4,784
30$2,890
40$2,822
50$2,688
60$2,666

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 $182

Potential Rate Discounts

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

DiscountSavings
Multi-policy$70
Multi-vehicle$68
Homeowner$18
5-yr Accident Free$99
5-yr Claim Free$85
Paid in Full/EFT$62
Advance Quote$66
Online Quote$93
Total Discounts$561
Rate after discounts $743

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

You May Also Enjoy These Articles