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.

U.S. average insurance rates for a GMC Terrain are $1,008 a year including full coverage. Comprehensive insurance costs around $186 a year, collision insurance costs $284, and liability costs $402. A policy with just liability insurance costs as little as $446 a year, and coverage for high-risk drivers costs $2,176 or more. Teens pay the highest rates at up to $3,928 a year.

Average premium for full coverage: $1,008

Price estimates for individual coverage:

Prices are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Terrain trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

The ranges above highlight why it is important to compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $597
• Drivers who choose higher $1,000 deductibles will pay about $902 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,008
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $206 annually
• Drivers with serious driving violations could pay at least $2,176
• The price for full coverage for a 16-year-old driver can be $3,928 a year

View Chart as Image

Insurance prices for a GMC Terrain are also quite variable based on your driving record, the model of your Terrain, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,000 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $3,900 a year. View Rates by Age

The state you live in makes a big difference in GMC Terrain insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,440 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $320 annually, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,200 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy can cost from 43% to 132% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 2013 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 Affordable GMC Terrain Insurance

Getting lower rates on insurance for a GMC Terrain not only requires having a good driving record, but also maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a brief review of the data that was covered in the charts and tables above.

• You may be able to save up to $120 per year just by quoting early and online
• Insureds who may need increased levels of liability coverage will pay approximately $440 per year to go from a low limit to 250/500 limits
• Drivers age 20 and younger pay higher prices, possibly costing $327 a month for full coverage
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,170 more every year to buy GMC Terrain insurance

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.

GMC Terrain Crash Test Ratings

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.

GMC Terrain Insurance Loss Probability

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.