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.

Average insurance rates for a GMC Terrain are $1,008 a year with full coverage. Comprehensive insurance costs approximately $186, collision costs $284, and liability costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing $2,176 or more. Teen drivers receive the highest rates at $3,928 a year or more.

Average premium for full coverage: $1,008

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Terrain models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas.

The example below illustrates how location helps determine auto insurance prices.

These examples demonstrate why everyone should compare prices using their specific location and risk profile, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $597
• Using higher $1,000 deductibles will save $106 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,008
• Choosing pricier low deductibles for physical damage coverage will cost an extra $206 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,176 or more
• The cost for full coverage for a 16-year-old driver for full coverage can cost $3,928 or more

View Chart as Image

Insurance rates for a GMC Terrain can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,000 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

Where you live has a huge impact on GMC Terrain insurance prices. A driver around age 40 might see rates as low as $730 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,360 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $320 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,700 additional per year, depending on your age. GMC Terrain insurance for high-risk drivers can be from 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, and rates can be significantly different from one company to the next.

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

Saving money on insurance for a GMC Terrain requires being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates once a year by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

Below is a summary of the data that was covered in the charts and tables above.

• You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
• Insureds who purchase higher levels of liability will pay about $440 every year to increase from a minimum limit to 250/500 limits
• Teenage drivers are the costliest to insure, with premiums as much as $327 per month including comprehensive and collision insurance
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,170 more per year for auto 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.