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 $1,046 a year with full coverage. Comprehensive costs around $202, collision costs $306, and liability costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing around $2,252. Teen drivers pay the highest rates at $4,036 a year or more.

Average premium for full coverage: $1,046

Price estimates for individual coverage:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Terrain models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population have a lower frequency of collision claims than larger metro areas.

The example below illustrates the difference location can make on auto insurance rates.

The ranges above demonstrate why everyone should compare prices for a specific zip code and risk profile, instead of using price averages.

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 additional coverage choices and driver risks.

• The lowest rate with discounts is $616
• Using higher $1,000 deductibles will save about $116 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,046
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,266
• Drivers with multiple violations and an at-fault accident could pay at least $2,252 or more
• The price for full coverage for a teen driver for full coverage can be $4,036 or more

View Chart as Image

Insurance prices for a GMC Terrain are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $4,000 a year. View Rates by Age

The state you live in has a huge impact on GMC Terrain insurance prices. A driver around age 40 might see prices as low as $750 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,410 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $340 every year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,200 to $1,700 extra each year, depending on your age. GMC Terrain insurance for high-risk drivers can be as much as 42% to 128% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so the prices may be quite different from one company to the next.

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 the Cheapest GMC Terrain Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a recap of the ideas that were touched on in this article.

• Teenagers pay higher prices, costing up to $336 a month for full coverage
• Higher risk drivers that have major violations or accidents pay an average of $1,210 more every year for car insurance
• Increasing physical damage deductibles can save around $325 each year
• You may be able to save up to $120 per year simply by quoting online well ahead of the renewal date

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.

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.

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.