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 $982 annually for full coverage. Comprehensive insurance costs on average $182, collision insurance costs $258, and liability coverage costs $406. A liability-only policy costs as little as $450 a year, and high-risk insurance costs $2,110 or more. 16-year-old drivers pay the most at up to $3,836 a year.

Average premium for full coverage: $982

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all Terrain models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have fewer accident claims than congested cities. The example below illustrates how rural and urban location affects car insurance rates.

These rate differences show why everyone should compare rates based on a specific location and their own personal driving habits, rather than using rate averages.

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

Rates by State, City, and Model

The chart below shows average GMC Terrain insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $586
• Drivers who choose higher $1,000 deductibles will pay around $102 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $982
• Buying pricier low deductibles for comprehensive and collision insurance costs an additional $190 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,110
• An auto insurance policy with full coverage for a teenage driver for full coverage may cost $3,836 a year

View Chart as Image

Auto insurance prices for a GMC Terrain also have a wide range based on the model of your Terrain, your driver profile, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $3,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,200 to $1,600 in extra premium annually, depending on your age. GMC Terrain insurance for high-risk drivers can cost around 42% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $300 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $366 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in GMC Terrain insurance rates. A 40-year-old driver could pay as low as $650 a year in states like Idaho, Maine, and Iowa, or at least $1,400 on average in Michigan, Louisiana, and New York.

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 Buy More Affordable GMC Terrain Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by obtaining price quotes from direct carriers, and also from local insurance agents.

The points below are a summary of the material that was raised in the charts and tables above.

• Consumers who require increased liability limits will pay around $450 each year to go from 30/60 bodily injury limits to higher 250/500 limits
• Drivers under the age of 20 are charged the highest prices, as much as $320 per month if full coverage is included
• Drivers who have multiple accidents or major violations may be required to pay an average of $1,130 more each year 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.