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 prices for a GMC Terrain are $1,008 every 12 months including full coverage. Comprehensive insurance costs approximately $186 each year, collision insurance costs $284, and liability coverage is estimated at $402. A liability-only policy costs approximately $446 a year, and high-risk insurance costs $2,176 or more. Teen drivers receive the highest rates at up to $3,928 a year.

Average premium for full coverage: $1,008

Rate estimates by individual coverage type:

Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Terrain models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance prices.

These examples highlight why all drivers should get quotes using their specific location and their own driving history, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $597
• Choosing higher $1,000 deductibles can save $106 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,008
• Choosing low deductibles for comp and collision coverage costs an extra $206 each year
• Drivers with multiple violations and an at-fault accident could pay around $2,176
• The cost to insure a teenage driver can cost $3,928 each year

View Chart as Image

Insurance rates for a GMC Terrain can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Terrain.

Choosing high deductibles can save as much as $320 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,000 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers ranges around 43% to 132% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for GMC Terrain insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,440 on average in Louisiana, New York, and Michigan.

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 the Right GMC Terrain Insurance

Saving money on auto insurance takes being a low-risk driver, having good credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The items below are a quick rundown of the concepts that were presented in the illustrations above.

• Drivers with reckless driving or DUI convictions could be charged and average of $1,170 more per year to insure their Terrain
• Teen drivers are expensive to insure, as much as $327 per month if they have full coverage
• You may be able to save around $120 per year just by quoting online in advance
• Increasing deductibles could save as much as $300 each year
• You may be able to save around $120 per year just by quoting online in advance

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.