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 $982 a year including full coverage. Comprehensive insurance costs around $182 a year, collision costs $258, and liability is estimated at $406. A liability-only policy costs approximately $450 a year, with high-risk insurance costing $2,110 or more. Teen drivers pay the most at $3,836 a year or more.

Average premium for full coverage: $982

Premium estimates for type of coverage:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Terrain trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

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

These rate differences highlight why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $586
• Choosing higher $1,000 deductibles can save about $880 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $982
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $190 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,110 or more
• An auto insurance policy for full coverage for a 16-year-old driver can be $3,836 each year

View Chart as Image

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

Older drivers with a good driving record and high deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $3,800 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for GMC Terrain insurance prices. A good driver about age 40 could pay as low as $750 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,400 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $300 annually, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $366 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,200 to $1,600 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 136% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Each auto insurer 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 the Best Cheap GMC Terrain Insurance

Finding better rates on insurance for a GMC Terrain takes being a good driver, having good credit, refrain from filing small claims, and maximizing policy discounts. Take the time to comparison shop every year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a quick review of the coverage data touched on in the above illustrations.

• You may be able to save up to $110 per year simply by quoting early and online
• Increasing policy deductibles can save around $300 each year
• Drivers age 16 to 20 are expensive to insure, with the cost nearing $320 per month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,130 more every year than a safer driver

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.