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 rates for a GMC Terrain are $1,046 a year including full coverage. Comprehensive costs on average $202, collision costs $306, and liability is $402. Liability-only coverage costs around $446 a year, with high-risk coverage costing around $2,252. Teen drivers receive the highest rates at $4,036 a year or more.

Average premium for full coverage: $1,046

Rate estimates by individual coverage type:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different Terrain trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on car insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $616
• Raising to $1,000 deductibles will save around $116 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,046
• Choosing more expensive low deductibles will increase the cost to $1,266
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,252 or more
• The cost for full coverage for a teen driver with full coverage may cost $4,036

View Chart as Image

Car insurance rates for a GMC Terrain can also vary considerably based on your driver profile, the model of your Terrain, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as little as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $4,000 a year. View Rates by Age

Where you live also has a big influence on GMC Terrain insurance prices. A middle-age driver might find rates as low as $800 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,490 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can reduce rates by up to $340 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $362 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly 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 Cheap GMC Terrain Insurance

Saving money on car insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a brief summary of the ideas that were covered in the above illustrations.

• Teen drivers are expensive to insure, as much as $336 per month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,210 more each year to insure their Terrain
• Increasing deductibles can save around $325 each year
• You may be able to save as much as $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.