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 insurance. Comprehensive insurance costs an estimated $186, collision costs $284, and liability is estimated at $402. Liability-only coverage costs approximately $446 a year, with high-risk coverage costing $2,176 or more. Teenage drivers pay the most at $3,928 a year or more.

Average premium for full coverage: $1,008

Premium estimates broken down by type of coverage:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all Terrain models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

These rate differences illustrate why everyone should get quotes for a targeted area and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated GMC Terrain insurance rates for other coverage scenarios.

• The best discount rate is $597
• Choosing higher $1,000 deductibles can save approximately $106 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,008
• Using pricier low deductibles for comp and collision coverage costs an additional $206 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,176 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost as much as $3,928 each year

View Chart as Image

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

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

If you have a few violations or you caused a few accidents, you are probably paying $1,200 to $1,700 extra annually, depending on your age. GMC Terrain insurance for high-risk drivers ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $320 every year, whereas buying more liability protection will increase premiums. Switching 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 plays a big part in determining prices for GMC Terrain insurance prices. A good driver about age 40 could pay as low as $660 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,360 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, 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 Affordable GMC Terrain Insurance

Finding better rates on car insurance takes avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates every couple of years by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief review of the material that was touched on in this article.

• Policyholders who want increased liability limits will pay an extra $440 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Drivers under the age of 20 are charged the highest prices, with premiums being up to $327 per month including comprehensive and collision insurance
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,170 more annually to insure a GMC Terrain
• Increasing policy deductibles could save up to $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.