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 $1,046 a year for full coverage. Comprehensive insurance costs an estimated $202 a year, collision costs $306, and liability is estimated at $402. Liability-only insurance costs approximately $446 a year, with high-risk driver insurance costing $2,252 or more. 16-year-old drivers pay the most at $4,036 a year or more.

Average premium for full coverage: $1,046

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Terrain trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than congested cities.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences show why it is important to get quotes for a targeted area, instead of making a decision based on rate averages.

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

More Rate Information

The chart below shows estimated GMC Terrain insurance rates for other coverage scenarios.

• The best full coverage rate is $616
• Choosing higher $1,000 deductibles can save approximately $930 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,046
• Buying low $100 deductibles for comp and collision coverage will cost an additional $220 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,252 or more
• An auto insurance policy that insures a 16-year-old driver can cost as much as $4,036 each year

View Chart as Image

Insurance prices for a GMC Terrain also have a wide range based on the trim level of your Terrain, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,200 to $1,700 additional annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 128% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,000 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for GMC Terrain insurance prices. A good driver about age 40 could pay as low as $690 a year in states like Iowa, Maine, and Idaho, or at least $1,490 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $340 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $362 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, and prices 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 Affordable GMC Terrain Insurance

Finding better rates on insurance for a GMC Terrain takes having a decent driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop at every policy renewal by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The following items are a brief review of the data presented in the illustrations above.

• Insureds who want additional liability coverage will pay around $440 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Drivers can save approximately $120 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $325 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $336 per month if comprehensive and collision insurance 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.

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.