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 insurance prices for a GMC Terrain are $1,008 every 12 months for full coverage. Comprehensive costs approximately $186, collision costs $284, and liability is estimated at $402. A policy with just liability insurance costs approximately $446 a year, with coverage for high-risk drivers costing around $2,176. 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 are based on $500 deductible amounts, 30/60 liability coverage, 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

Living in a larger city can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas.

The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of using 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 additional coverage and risk scenarios.

• The lowest rate with discounts is $597
• Choosing higher $1,000 deductibles can save $106 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,008
• Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,214
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,176 or more
• The price to insure a teen driver with full coverage can cost $3,928 each year

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Insurance prices for a GMC Terrain are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Terrain.

Choosing high deductibles can save as much as $320 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $362 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,000 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance ranges as much as 43% to 132% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for GMC Terrain insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Iowa, Maine, and Idaho, or as much as $1,440 on average in New York, Louisiana, and Michigan.

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Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices may be quite 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 Affordable GMC Terrain Insurance

Getting lower rates on car insurance takes having a good driving record, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief review of the coverage data touched on in this article.

• Drivers can save around $120 per year simply by shopping early and online
• Increasing physical damage deductibles could save as much as $300 each year
• Drivers age 20 and younger are expensive to insure, with premiums as much as $327 a month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,170 more per year to buy GMC 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.