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 prices for a GMC Terrain are $1,046 every 12 months for full coverage. Comprehensive costs around $202, collision insurance costs $306, and liability costs around $402. Liability-only coverage costs as low as $446 a year, and high-risk coverage costs around $2,252. Teenage drivers pay the most at up to $4,036 a year.

Average premium for full coverage: $1,046

Premium estimates for type of coverage:

Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different Terrain trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of using average rates.

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

More Rate Details

The chart below shows average GMC Terrain insurance rates for additional coverage choices and driver risks.

• The best discount rate is $616
• Using higher $1,000 deductibles will save about $116 a year
• The average price for a 40-year-old good driver using $500 deductibles is $1,046
• Using more expensive low deductibles for physical damage coverage increases the price to $1,266
• Drivers who are prone to accidents and violations could pay at least $2,252
• An auto insurance policy to insure a teen driver with full coverage can be $4,036 or more

View Chart as Image

Insurance prices for a GMC Terrain also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles could cut prices by as much as $340 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher 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 excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can be as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

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 $690 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,490 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Shop for Cheaper GMC Terrain Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having good credit, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates at every policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below is a condensed summary of the data touched on in this article.

• Policyholders who may need higher levels of liability will pay an extra $440 each year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers can save up to $120 per year just by shopping early and online
• Increasing policy deductibles could save as much as $325 each year
• Teenage drivers pay higher prices, as much as $336 per month if they have full coverage

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.