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 insurance costs on average $202 a year, collision insurance costs $306, and liability coverage is estimated at $402. A policy with just liability insurance costs approximately $446 a year, and coverage for high-risk drivers costs $2,252 or more. 16-year-old drivers receive the highest rates at up to $4,036 a year.

Average premium for full coverage: $1,046

Rate estimates by individual coverage type:

Estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Terrain trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects car insurance rates.

These examples highlight why it is important to get quotes based on a specific location and risk profile, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $616
• Choosing higher $1,000 deductibles can save around $930 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,046
• Buying low $100 deductibles for comp and collision coverage will cost an extra $220 each year
• Drivers with multiple tickets or accidents could pay upwards of $2,252
• The cost for full coverage for a teenage driver may cost $4,036 each year

View Chart as Image

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.

Older drivers with no violations or accidents and high deductibles may only pay around $1,000 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $4,000 a year. View Rates by Age

Where you live plays a big part in determining prices for GMC Terrain insurance rates. A good driver about age 40 could pay as low as $800 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,490 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $340 a year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $362 more each year. 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 additional per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 128% more than the average rate. View High Risk Driver Rates

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 Low Cost GMC Terrain Insurance

Saving money on auto insurance takes not taking risks behind the wheel, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following is a review of the coverage data raised in the charts and tables above.

• You may be able to save as much as $120 per year just by quoting early and online
• Increasing deductibles can save around $325 each year
• Teens pay higher rates, as much as $336 per month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations may pay on average $1,210 more each year for 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.