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 $982 every 12 months with full coverage. Comprehensive insurance costs an estimated $182 a year, collision insurance costs $258, and liability insurance costs around $406. A policy with just liability insurance costs as low as $450 a year, and coverage for high-risk drivers costs $2,110 or more. Teen drivers receive the highest rates at up to $3,836 a year.

Average premium for full coverage: $982

Rate estimates broken down by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Terrain trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.

These examples demonstrate why it is important to compare prices for a targeted area and their own driving history, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $586
• Using higher $1,000 deductibles will save approximately $880 annually
• The average price for a 40-year-old driver who has $500 deductibles is $982
• Choosing low $100 deductibles for physical damage coverage costs an extra $190 a year
• Drivers with multiple violations and an at-fault accident could pay up to $2,110
• The cost to insure a teen driver can cost as much as $3,836 or more

View Chart as Image

Insurance rates for a GMC Terrain can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Choosing high deductibles could cut rates by as much as $300 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $366 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $3,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,200 to $1,600 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 136% more than average. View High Risk Driver Rates

Where you live has a huge impact on GMC Terrain insurance rates. A driver around age 40 might see rates as low as $710 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,320 on average in New York, Michigan, and Florida.

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 Low Cost GMC Terrain Insurance

Saving money on GMC Terrain insurance requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a review of the material that was touched on in the above illustrations.

• Drivers who want higher liability limits will pay about $450 every year to increase from a minimum limit to a 250/500 level
• Teenagers are expensive to insure, with premiums as much as $320 per month if full coverage is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,130 more annually for car insurance
• Increasing deductibles could save as much as $300 each year

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.