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 insurance rates for a GMC Terrain are $1,008 a year for full coverage insurance. Comprehensive insurance costs around $186 each year, collision costs $284, and liability coverage is $402. A liability-only policy costs around $446 a year, with high-risk insurance costing $2,176 or more. Teen drivers pay the most at $3,928 a year or more.

Average premium for full coverage: $1,008

Premium estimates for type of coverage:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Terrain models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates how geographic area affects auto insurance rates.

These rate differences illustrate why all drivers should compare rates quotes for a specific zip code and risk profile, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $597
• Raising to $1,000 deductibles will save about $106 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,008
• Choosing low deductibles will cost an extra $206 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,176 or more
• An auto insurance policy for full coverage for a teenage driver can be $3,928

View Chart as Image

Auto insurance prices for a GMC Terrain also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $3,900 a year. View Rates by Age

Where you choose to live also has a big influence on GMC Terrain insurance rates. A middle-age driver might find prices as low as $660 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,360 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce prices by up to $320 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $362 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially 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 Cheap GMC Terrain Insurance

Finding better rates on auto insurance consists of not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a brief summary of the information presented in the illustrations above.

• It is possible to save up to $120 per year simply by quoting online in advance
• Teens are expensive to insure, with premiums being up to $327 per month if they have full coverage
• Increasing policy deductibles can save around $300 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,170 more every year for Terrain insurance
• Consumers who may need higher liability limits will pay about $440 annually to raise from 30/60 bodily injury limits to 250/500 limits

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.