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.

U.S. average insurance rates for a GMC Terrain are $982 a year for full coverage. Comprehensive insurance costs approximately $182 each year, collision insurance costs $258, and liability is estimated at $406. Liability-only coverage costs approximately $450 a year, and high-risk coverage costs $2,110 or more. Teens pay the highest rates at up to $3,836 a year.

Average premium for full coverage: $982

Price estimates by individual coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Terrain models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance prices.

The ranges above show why all drivers should get quotes using their specific location, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below shows average GMC Terrain insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $586
• Choosing higher $1,000 deductibles can save $102 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $982
• Selecting low deductibles for comp and collision coverage will cost an additional $190 annually
• Higher-risk drivers with serious driving violations could pay around $2,110
• The price that insures a 16-year-old driver can cost $3,836 each year

View Chart as Image

Auto insurance prices for a GMC Terrain are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,200 to $1,600 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges from 42% to 136% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for GMC Terrain insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,400 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $300 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $366 extra every year. View Rates by Deductible or Liability Limit

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 Find Low Cost GMC Terrain Insurance

Getting lower rates on insurance for a GMC Terrain takes avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Compare rates at every other renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.

The list below is a review of the concepts that were illustrated above.

• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,130 more per year for car insurance
• Teenagers have the highest car insurance prices, with premiums as much as $320 a month if the policy includes full coverage
• Drivers can save around $110 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $300 each year
• Drivers can save around $110 per year just by quoting online in advance

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.