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 auto insurance rates for a GMC Terrain are $1,008 annually with full coverage. Comprehensive insurance costs on average $186, collision costs $284, and liability coverage costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing $2,176 or more. Teens receive the highest rates at $3,928 a year or more.

Average premium for full coverage: $1,008

Rate estimates by individual coverage type:

These estimates include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for all Terrain models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on auto insurance rates. Rural areas tend to have fewer collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on car insurance rates.

These examples demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $597
• Using higher $1,000 deductibles will save around $106 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,008
• Selecting pricier low deductibles for physical damage coverage costs an additional $206 each year
• Higher-risk drivers with serious driving violations could pay upwards of $2,176 or more
• The cost with full coverage for a teenage driver for full coverage may cost $3,928 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,000 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $3,900 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,200 to $1,700 additional per year, depending on your age. GMC Terrain insurance for high-risk drivers can be around 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on GMC Terrain insurance rates. A driver around age 40 might see rates as low as $730 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,360 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company calculates rates differently, and rates can be significantly 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 Cheap GMC Terrain Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates at least once a year by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a brief summary of the primary concepts that were covered in the above illustrations.

• You may be able to save as much as $120 per year simply by quoting online well ahead of the renewal date
• Drivers that tend to have accidents or serious violations pay an average of $1,170 more each year for Terrain insurance
• Increasing deductibles could save up to $300 each year
• Teens pay higher rates, with premiums as much as $327 per month if they have full coverage

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.