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.

Average insurance prices for a GMC Terrain are $1,008 every 12 months including full coverage. Comprehensive costs on average $186 a year, collision costs $284, and liability coverage costs around $402. A policy with just liability insurance costs as low as $446 a year, with coverage for high-risk drivers costing around $2,176. Teenage drivers receive the highest rates at $3,928 a year or more.

Average premium for full coverage: $1,008

Rate estimates by individual coverage type:

Full coverage includes $500 deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Terrain trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how where you live affects car insurance rates.

These examples highlight why it is important to compare prices based on a specific location and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below breaks down estimated GMC Terrain insurance rates for different risk profiles and scenarios.

• The best discount rate is $597
• Using higher $1,000 deductibles will save around $902 every year
• The average price for a 40-year-old driver with $500 deductibles is $1,008
• Using low $100 deductibles for physical damage coverage increases the price to $1,214
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,176 or more
• The cost to insure a teenage driver may cost $3,928 or more

View Chart as Image

Insurance rates for a GMC Terrain can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Terrain.

Using high physical damage deductibles could cut rates by as much as $320 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $362 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,000 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,200 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy can be around 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on GMC Terrain insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,440 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly different.

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 Shop for More Affordable GMC Terrain Insurance

Saving money on auto insurance requires not taking risks behind the wheel, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the data that was touched on in the above illustrations.

• You may be able to save as much as $120 per year simply by quoting early and online
• Consumers who require higher liability limits will pay an extra $440 per year to increase from a minimum limit to a 250/500 level
• Teens pay higher rates, as much as $327 per month if full coverage is included
• Drivers who have multiple accidents or major violations may pay on average $1,170 more each year for Terrain insurance

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.