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 insurance rates for a GMC Terrain are $1,008 a year for full coverage insurance. Comprehensive costs approximately $186 each year, collision costs $284, and liability is $402. A policy with only liability insurance costs around $446 a year, with a high-risk policy costing around $2,176. Teenage drivers pay the most at $3,928 a year or more.

Average premium for full coverage: $1,008

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Terrain models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance prices.

These rate differences illustrate why all drivers should compare rates quotes using their specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below illustrates estimated GMC Terrain insurance rates for additional coverage and risk scenarios.

• The best discount rate is $597
• Raising to $1,000 deductibles will save $106 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,008
• Using low deductibles bumps up the cost to $1,214
• Drivers who are prone to accidents and violations could pay around $2,176 or more
• An auto insurance policy that insures a 16-year-old driver can cost $3,928

View Chart as Image

Car insurance prices for a GMC Terrain also have a wide range based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $3,900 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Terrain insurance prices. A middle-age driver might find prices as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,360 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $320 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

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 More Affordable GMC Terrain Insurance

Finding better rates on insurance for a GMC Terrain consists of being a good driver, having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Compare prices every year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a summary of the coverage data illustrated above.

• It is possible to save around $120 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $300 each year
• Drivers age 16 to 20 pay the highest auto insurance prices, with premiums being up to $327 per month if full coverage is purchased
• Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $1,170 more per year than a safer driver

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.