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 auto insurance rates for a GMC Terrain are $1,008 annually for full coverage. Comprehensive costs on average $186, collision costs $284, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing around $2,176. Teen drivers pay the most at $3,928 a year or more.

Average premium for full coverage: $1,008

Premium estimates by type of coverage:

Rates are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all Terrain models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences show why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of using price averages.

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

More Rate Information

The chart below shows estimated GMC Terrain insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $597
• Raising to $1,000 deductibles will save around $106 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,008
• Choosing pricier low deductibles will cost $1,214
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,176 or more
• An auto insurance policy with full coverage for a teen driver for full coverage may cost $3,928

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Insurance prices for a GMC Terrain also have a wide range based on the model of your Terrain, your driver profile, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $3,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,200 to $1,700 extra annually, depending on your age. GMC Terrain insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $320 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on GMC Terrain insurance prices. A middle-age driver might find prices as low as $670 a year in states like Idaho, Maine, and Iowa, or as much as $1,440 on average in Michigan, Louisiana, and New York.

View Chart as Image

With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices will be substantially different between companies.

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 Buy the Best Cheap GMC Terrain Insurance

Finding better rates on car insurance consists of having a good driving record, having a good credit history, not filing small claims, and bundling your home and auto policies. Set aside time to compare rates at every policy renewal by requesting rates from direct carriers, and also from local insurance agents.

The next list is a quick review of the data covered above.

• Policyholders who require increased levels of liability coverage will pay about $440 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Drivers can save as much as $120 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $300 each year
• Drivers age 20 and younger pay the highest prices, as much as $327 per month including comprehensive and collision 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.