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 $982 a year with full coverage. Comprehensive costs approximately $182, collision costs $258, and liability insurance is $406. Liability-only coverage costs around $450 a year, with high-risk coverage costing around $2,110. Teenage drivers pay the highest rates at $3,836 a year or more.

Average premium for full coverage: $982

Price estimates by individual coverage:

Estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all Terrain models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.

The example below illustrates how location helps determine auto insurance prices.

The ranges above demonstrate why everyone should compare rates quotes using their specific location and risk profile, rather than relying on average rates.

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

Additional Rate Details

The chart below details estimated GMC Terrain insurance rates for additional coverage and risk scenarios.

• The best discount rate is $586
• Raising to $1,000 deductibles will save $102 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $982
• Using pricier low deductibles will increase the cost to $1,172
• Higher-risk drivers who are prone to accidents and violations could pay around $2,110 or more
• The price for full coverage for a teen driver for full coverage can cost $3,836

View Chart as Image

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

A more mature driver with a good driving record and high deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $3,800 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 $710 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,320 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $300 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $366 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,600 in extra premium each year, depending on your age. GMC Terrain insurance for high-risk drivers is expensive and can cost anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

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 Low Cost GMC Terrain Insurance

Getting lower rates on GMC Terrain insurance consists of having a good driving record, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest time comparing rates at every other renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a review of the concepts that were covered in the charts and tables above.

• High-risk drivers who have several accidents or serious violations pay on average $1,130 more per year to buy GMC Terrain insurance
• Drivers age 20 and younger have the highest car insurance prices, costing up to $320 a month if they have full coverage
• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $300 each year
• You may be able to save around $110 per year simply by quoting online well ahead of the renewal date

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.