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 $1,046 a year for full coverage insurance. Comprehensive insurance costs an estimated $202 a year, collision costs $306, and liability costs around $402. Liability-only coverage costs as low as $446 a year, with high-risk coverage costing $2,252 or more. Teen drivers pay the most at $4,036 a year or more.

Average premium for full coverage: $1,046

Premium estimates broken down by type of coverage:

Prices are based on $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Terrain trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area 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 illustrates estimated GMC Terrain insurance rates for other coverage scenarios.

• The lowest rate with discounts is $616
• Using higher $1,000 deductibles will save approximately $930 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,046
• Choosing low $100 deductibles for physical damage coverage will cost an extra $220 every year
• Drivers with multiple violations and an at-fault accident could pay up to $2,252 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $4,036 or more

View Chart as Image

Insurance prices for a GMC Terrain also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $4,000 a year. View Rates by Age

Where you choose to live has a huge impact on GMC Terrain insurance prices. A driver around age 40 might see prices as low as $680 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,410 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $340 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $362 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 42% to 128% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, so the 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 Affordable GMC Terrain Insurance

Finding better rates on car insurance requires having a good driving record, maintaining good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to shop around every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief review of the material that was raised in the charts and tables above.

• Policyholders who want increased levels of liability coverage will pay about $440 annually to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers age 20 and younger are charged the highest prices, with premiums being up to $336 per month for full coverage
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,210 more annually to buy GMC Terrain insurance
• Increasing policy deductibles can save around $325 each year

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.