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.

The average insurance rates for a GMC Terrain are $1,046 a year for full coverage. Comprehensive insurance costs around $202, collision costs $306, and liability insurance is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing $2,252 or more. Teens cost the most to insure at $4,036 a year or more.

Average premium for full coverage: $1,046

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Terrain trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $616
• Raising to $1,000 deductibles will save about $116 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,046
• Selecting more expensive low deductibles will cost an extra $220 a year
• Higher-risk drivers with serious driving violations could pay at least $2,252 or more
• Policy cost for full coverage for a teen driver with full coverage can be $4,036

View Chart as Image

Insurance rates for a GMC Terrain also range considerably based on your risk profile, the trim level of your Terrain, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,000 a year. View Rates by Age

Your home state also has a big influence on GMC Terrain insurance rates. A middle-age driver might find rates as low as $690 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,490 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $362 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates will be varied 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 GMC Terrain Insurance

Finding cheaper rates on GMC Terrain insurance consists of being a good driver, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a brief recap of the concepts that were raised in the charts and tables above.

• High-risk drivers who tend to receive serious violations may be required to pay an average of $1,210 more every year than a safer driver
• Drivers age 16 to 20 are charged the highest rates, costing up to $336 each month including comprehensive and collision insurance
• Drivers can save up to $120 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers can save up to $120 per year simply by shopping 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.

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.