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 auto insurance rates for a GMC Terrain are $1,008 annually for full coverage. Comprehensive insurance costs on average $186, collision costs $284, and liability insurance costs $402. Liability-only insurance costs as little as $446 a year, with high-risk driver insurance costing $2,176 or more. Teen drivers pay the highest rates at $3,928 a year or more.

Average premium for full coverage: $1,008

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Terrain trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have fewer accident claims than larger metro areas.

The price range example below illustrates how your location can change car insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $597
• Drivers who choose higher $1,000 deductibles will pay around $106 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,008
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $206 a year
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,176 or more
• The price with full coverage for a teen driver with full coverage may cost $3,928 a year

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Car insurance prices for a GMC Terrain are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $320 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in GMC Terrain insurance rates. A 40-year-old driver could pay as low as $670 a year in states like Idaho, Maine, and Iowa, or as much as $1,440 on average in Michigan, Louisiana, and New York.

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Since prices can be so different, the only way to know exactly what you will pay is to compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes may be quite different between companies.

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 Buy the Right GMC Terrain Insurance

Getting lower rates on GMC Terrain insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below you'll find a quick rundown of the car insurance concepts illustrated above.

• High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,170 more each year than a low-risk driver
• Drivers can save as much as $120 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $300 each year
• Drivers who require more liability protection will pay about $440 each year to go from a low limit to higher 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.