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.

Estimated auto insurance rates for a GMC Terrain are $1,220 annually for full coverage. Comprehensive insurance costs around $250, collision insurance costs $450, and liability insurance costs around $384. A liability-only policy costs as low as $432 a year, and high-risk insurance costs $2,640 or more. Teens pay the most at up to $4,582 a year.

Average premium for full coverage: $1,220

Premium estimates for type of coverage:

Includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all Terrain models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance rates.

These rate differences show why everyone should compare prices for a specific zip code and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $701
• Using higher $1,000 deductibles will save about $160 a year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,220
• Selecting pricier low deductibles for physical damage coverage costs an additional $308 a year
• Drivers with serious driving violations could pay at least $2,640
• An auto insurance policy with full coverage for a teen driver for full coverage can be $4,582 or more

View Chart as Image

Auto insurance prices for a GMC Terrain also have a wide range based on the model of your Terrain, your driver profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at least $1,500 to $2,000 in extra premium annually, depending on your age. GMC Terrain insurance for high-risk drivers can be anywhere from 44% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on GMC Terrain insurance rates. A driver around age 40 might see prices as low as $800 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,740 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Buy the Cheapest GMC Terrain Insurance

Finding better rates on GMC Terrain insurance requires being a good driver, having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to compare rates at least once a year by requesting quotes from direct carriers, and also from local independent and exclusive agents.

The following list is a recap of the primary concepts that were covered in the above illustrations.

• Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
• High-risk drivers that have major violations or accidents pay an average of $1,420 more every year than a safer driver
• Increasing policy deductibles could save up to $475 each year
• Drivers age 16 to 20 are expensive to insure, as much as $382 per month if full coverage is included

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.