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.

The average insurance prices for a GMC Terrain are $1,046 every 12 months for full coverage. Comprehensive insurance costs an estimated $202 each year, collision costs $306, and liability insurance costs $402. Liability-only coverage costs as little as $446 a year, with high-risk coverage costing $2,252 or more. Teens cost the most to insure at $4,036 a year or more.

Average premium for full coverage: $1,046

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Terrain models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.

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

The examples above show why all drivers should compare rates for a targeted area and their own driving history, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $616
• Drivers who choose higher $1,000 deductibles will pay approximately $116 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,046
• Selecting low deductibles for comprehensive and collision insurance costs an extra $220 a year
• High risk drivers with serious driving violations could pay up to $2,252 or more
• Policy cost to insure a teen driver can cost as much as $4,036 a year

View Chart as Image

Insurance rates for a GMC Terrain also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $340 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in GMC Terrain insurance rates. A 40-year-old driver could pay as low as $690 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,490 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every company calculates rates differently, and rates will be varied.

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 the Best Cheap GMC Terrain Insurance

Finding cheaper rates on GMC Terrain insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every couple of years by getting quotes from direct carriers, and also from several local insurance agents.

The following items are a quick review of the material that was touched on in this article.

• Drivers who want additional liability coverage will pay approximately $440 each year to go from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are expensive to insure, costing up to $336 each month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation pay on average $1,210 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $325 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.