GMC Terrain Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2024

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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 $944 a year including full coverage. Comprehensive costs around $170 a year, collision costs $236, and liability insurance costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing around $2,030. 16-year-old drivers pay the highest rates at $3,714 a year or more.

Average premium for full coverage: $944

Price estimates for individual coverage:

Comprehensive $170
Collision $236
Liability $402

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Terrain trim levels.

Price Range from Low to High

For a driver in their 40's, GMC Terrain insurance prices go from the low end price of $446 for your basic liability-only policy to a high of $2,030 for a driver who has had serious violations or accidents.

Liability Only $446
Full Coverage $944
High Risk $2,030

Geographic Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine auto insurance rates.

Rural Areas $708
Small Cities $991
Large Cities $1,274

The ranges above highlight why it is important to compare prices for a specific zip code, rather than relying on rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

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

  • The best full coverage rate is $567
  • Using higher $1,000 deductibles will save about $850 every year
  • The estimated price for the average middle-age driver using $500 deductibles is $944
  • Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,118
  • Drivers with multiple tickets or accidents could pay at least $2,030 or more
  • The price that insures a teen driver can be $3,714 or more

View Chart as Image

GMC Terrain insurance cost comparison chart
Column chart showing full coverage GMC Terrain insurance rates range from $567 to $3,714

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

If you have some driving violations or you caused an accident, you are likely paying at least $1,100 to $1,600 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $3,700 a year. View Rates by Age

The state you live in has a huge impact on GMC Terrain insurance rates. A driver around age 40 might see prices as low as $720 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,350 on average in Michigan, New York, and Louisiana.

GMC Terrain Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $852 -$92 -9.7%
Alaska $722 -$222 -23.5%
Arizona $782 -$162 -17.2%
Arkansas $944 -$0 0.0%
California $1,074 $130 13.8%
Colorado $898 -$46 -4.9%
Connecticut $968 $24 2.5%
Delaware $1,064 $120 12.7%
Florida $1,176 $232 24.6%
Georgia $872 -$72 -7.6%
Hawaii $678 -$266 -28.2%
Idaho $638 -$306 -32.4%
Illinois $702 -$242 -25.6%
Indiana $712 -$232 -24.6%
Iowa $636 -$308 -32.6%
Kansas $894 -$50 -5.3%
Kentucky $1,286 $342 36.2%
Louisiana $1,394 $450 47.7%
Maine $582 -$362 -38.3%
Maryland $778 -$166 -17.6%
Massachusetts $752 -$192 -20.3%
Michigan $1,636 $692 73.3%
Minnesota $790 -$154 -16.3%
Mississippi $1,130 $186 19.7%
Missouri $836 -$108 -11.4%
Montana $1,012 $68 7.2%
Nebraska $742 -$202 -21.4%
Nevada $1,130 $186 19.7%
New Hampshire $680 -$264 -28.0%
New Jersey $1,056 $112 11.9%
New Mexico $832 -$112 -11.9%
New York $992 $48 5.1%
North Carolina $544 -$400 -42.4%
North Dakota $772 -$172 -18.2%
Ohio $648 -$296 -31.4%
Oklahoma $966 $22 2.3%
Oregon $864 -$80 -8.5%
Pennsylvania $898 -$46 -4.9%
Rhode Island $1,256 $312 33.1%
South Carolina $856 -$88 -9.3%
South Dakota $796 -$148 -15.7%
Tennessee $824 -$120 -12.7%
Texas $1,136 $192 20.3%
Utah $698 -$246 -26.1%
Vermont $644 -$300 -31.8%
Virginia $566 -$378 -40.0%
Washington $726 -$218 -23.1%
West Virginia $864 -$80 -8.5%
Wisconsin $652 -$292 -30.9%
Wyoming $838 -$106 -11.2%

View Chart as Image

GMC Terrain insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $270 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

GMC Terrain Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
GMC Terrain SLE 2WD $922 $77
GMC Terrain SLE AWD $922 $77
GMC Terrain SLT 2WD $944 $79
GMC Terrain SLT AWD $962 $80

Rates assume 2010 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.

GMC Terrain Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 GMC Terrain $322 $562 $316 $1,336
2023 GMC Terrain $306 $542 $332 $1,316
2022 GMC Terrain $294 $536 $338 $1,304
2021 GMC Terrain $284 $524 $354 $1,298
2020 GMC Terrain $274 $502 $364 $1,276
2019 GMC Terrain $260 $484 $376 $1,256
2018 GMC Terrain $250 $450 $384 $1,220
2017 GMC Terrain $240 $424 $388 $1,188
2016 GMC Terrain $230 $380 $390 $1,136
2015 GMC Terrain $214 $350 $390 $1,090
2014 GMC Terrain $206 $328 $394 $1,064
2013 GMC Terrain $202 $306 $402 $1,046
2012 GMC Terrain $186 $284 $402 $1,008
2011 GMC Terrain $182 $258 $406 $982
2010 GMC Terrain $170 $236 $402 $944

Rates are averaged for all GMC Terrain models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Low Cost GMC Terrain Insurance

Getting lower rates on GMC Terrain insurance requires having a decent driving record, having above-average credit, being claim-free, and insuring your home and auto with the same company. Comparison shop every other policy renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a review of the ideas that were covered in the charts and tables above.

  • 16 to 18-year-old drivers pay higher prices, possibly costing $310 a month if full coverage is included
  • High-risk drivers who have several accidents or serious violations may have to pay on average $1,090 more every year than a driver with a clean driving record
  • Increasing physical damage deductibles can save approximately $275 each year
  • You may be able to save up to $110 per year simply by quoting early and online

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.

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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
Vehicle TestedOverallFrontalSideRollover
2020 GMC Terrain SUV FWD5 stars5 stars5 stars4 stars
2020 GMC Terrain SUV AWD5 stars5 stars5 stars4 stars
2019 GMC Terrain SUV FWD5 stars5 stars5 stars4 stars
2019 GMC Terrain SUV AWD5 stars5 stars5 stars4 stars
2018 GMC Terrain SUV FWD Later Release5 stars5 stars5 stars4 stars
2018 GMC Terrain SUV FWD Early Release4 stars5 stars4 stars4 stars
2018 GMC Terrain SUV AWD Later Release5 stars5 stars5 stars4 stars
2018 GMC Terrain SUV AWD Early Release4 stars5 stars4 stars4 stars
2017 GMC Terrain SUV FWD4 stars4 stars5 stars4 stars
2017 GMC Terrain SUV AWD4 stars4 stars5 stars4 stars
2016 GMC Terrain SUV FWD4 stars4 stars5 stars4 stars
2016 GMC Terrain SUV AWD4 stars4 stars5 stars4 stars

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.

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
Insurance Coverage CategoryLoss Rate
Collision-11%
Property Damage-17%
Comprehensive-19%
Personal Injury-4%
Medical Payment-8%
Bodily Injury-14%

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.

Rates by Driver Age

GMC Terrain Insurance Rates by Driver Age
Driver Age Premium
16 $3,714
20 $2,152
30 $964
40 $944
50 $866
60 $848

Full coverage, $500 deductibles

Rates by Deductible

GMC Terrain Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,038
$500 $944
$1,000 $850

Full coverage, driver age 40

Rates by Liability Limit

GMC Terrain Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $944
50/100 $1,042
100/300 $1,143
250/500 $1,404
100 CSL $1,083
300 CSL $1,304
500 CSL $1,465

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Terrain Insurance Rates for High Risk Drivers
Age Premium
16 $5,250
20 $3,428
30 $2,052
40 $2,030
50 $1,934
60 $1,916

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $127

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $48
Multi-vehicle $50
Homeowner $16
5-yr Accident Free $60
5-yr Claim Free $60
Paid in Full/EFT $36
Advance Quote $42
Online Quote $65
Total Discounts $377
Rate after discounts $567

Discounts are estimated and may not be available from every company or in every state.

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