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 $1,008 every 12 months for full coverage insurance. Comprehensive insurance costs around $186, collision costs $284, and liability costs around $402. Buying just liability costs as low as $446 a year, with insurance for high-risk drivers costing $2,176 or more. 16-year-old drivers receive the highest rates at $3,928 a year or more.

Average premium for full coverage: $1,008

Rate estimates for individual coverage type:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Terrain trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below illustrates estimated GMC Terrain insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $597
• Using higher $1,000 deductibles will save about $106 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,008
• Buying more expensive low deductibles for physical damage coverage costs an extra $206 annually
• High-risk insureds with multiple tickets or accidents could pay at least $2,176 or more
• The cost to insure a 16-year-old driver with full coverage can be $3,928 or more

View Chart as Image

Auto insurance rates for a GMC Terrain can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Opting for high physical damage deductibles could cut rates by as much as $320 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $362 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,000 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay as much as $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 in extra premium per year, depending on your age. High-risk driver insurance can be from 43% to 132% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on GMC Terrain insurance prices. A driver around age 40 might see rates as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,360 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.

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 More Affordable GMC Terrain Insurance

Saving money on insurance for a GMC Terrain requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the data covered in the above illustrations.

• Insureds who may need higher liability limits will pay around $440 annually to increase from a minimum limit to a 250/500 level
• It is possible to save up to $120 per year simply by shopping early and online
• Increasing deductibles could save as much as $300 each year
• Teens are expensive to insure, costing up to $327 per month if comprehensive and collision insurance is included

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.