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 for full coverage insurance. Comprehensive costs approximately $186 a year, collision insurance costs $284, and liability insurance is $402. Buying just liability costs around $446 a year, and insurance for high-risk drivers costs around $2,176. 16-year-old drivers pay the highest rates at up to $3,928 a year.

Average premium for full coverage: $1,008

Price estimates by individual coverage:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Terrain trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities. The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above illustrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $597
• Raising to $1,000 deductibles will save $902 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,008
• Buying low $100 deductibles will increase the cost to $1,214
• Higher-risk drivers with multiple tickets or accidents could pay around $2,176
• The price for full coverage for a teen driver can cost $3,928

View Chart as Image

Insurance prices for a GMC Terrain are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

The state you live in also has a big influence on GMC Terrain insurance rates. A middle-age driver might find prices as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,360 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $320 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,200 to $1,700 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than the average rate. 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 the Best Cheap GMC Terrain Insurance

Getting lower rates on GMC Terrain insurance consists of being a safe and courteous driver, having a good credit history, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates every couple of years by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a quick review of the material that was presented in the illustrations above.

• Drivers who purchase higher levels of liability will pay around $440 annually to raise from a low limit to 250/500 limits
• Teenage drivers are the costliest to insure, as much as $327 a month including comprehensive and collision insurance
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,170 more per year for auto insurance
• Increasing physical damage deductibles can save around $300 each year

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.