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 auto insurance rates for a GMC Terrain are $1,090 annually with full coverage. Comprehensive insurance costs an estimated $214, collision insurance costs $350, and liability insurance costs $390. A policy with just liability insurance costs as little as $438 a year, and coverage for high-risk drivers costs $2,352 or more. Teens receive the highest rates at up to $4,172 a year.

Average premium for full coverage: $1,090

Rate estimates broken down by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations tend to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

The chart below details average GMC Terrain insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $639
• Drivers who choose higher $1,000 deductibles will pay approximately $130 annually
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,090
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $246 a year
• High risk drivers with serious driving violations could pay up to $2,352
• The cost with full coverage for a teen driver with full coverage can cost as much as $4,172 a year

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Insurance rates for a GMC Terrain can also vary considerably based on the trim level of your Terrain, your driving record, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,000 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,300 to $1,800 additional per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $380 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in GMC Terrain insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,470 on average in New York, Michigan, and Florida.

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Insurance Rates by Trim Level and Model Year

Rates assume 2016 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 Buy Cheaper GMC Terrain Insurance

Saving money on GMC Terrain insurance not only requires being a low-risk driver, but also having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates every year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a condensed summary of the coverage data touched on in this article.

• You may be able to save approximately $130 per year just by shopping early and online
• Increasing deductibles could save up to $375 each year
• Teen drivers are expensive to insure, with premiums as much as $348 per month if they have full coverage
• High-risk drivers with multiple at-fault accidents pay on average $1,260 more annually to insure their Terrain

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.