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 including full coverage. Comprehensive costs an estimated $186 a year, collision insurance costs $284, and liability costs around $402. A policy with only liability insurance costs as low as $446 a year, and a high-risk policy costs around $2,176. Teens pay the most at up to $3,928 a year.

Average premium for full coverage: $1,008

Premium estimates broken down by type of coverage:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Terrain trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.

These rate differences highlight why it is important to compare prices for a targeted area, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average GMC Terrain insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $597
• Using higher $1,000 deductibles will save approximately $902 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,008
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,214
• Drivers with serious driving violations could pay up to $2,176
• An auto insurance policy that insures a teen driver can cost as much as $3,928 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 a year, 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 at least $3,900 a year. View Rates by Age

Where you choose to live has a huge impact on GMC Terrain insurance prices. A driver around age 40 might see prices as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,440 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $320 every year, while buying higher liability limits will increase premiums. Changing 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

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 car insurance requires not taking risks behind the wheel, having a positive credit history, refrain from filing small claims, and possibly higher deductibles. Compare rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a summary of the data covered in the charts and tables above.

• Policyholders who want higher liability limits will pay approximately $440 per year to increase from 30/60 bodily injury limits to the 250/500 level
• You may be able to save approximately $120 per year just by quoting early and online
• Increasing policy deductibles can save approximately $300 each year
• Teens have the highest car insurance prices, with the cost nearing $327 per month if full coverage is purchased

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.