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 with full coverage. Comprehensive insurance costs an estimated $202 a year, collision costs $306, and liability is $402. A liability-only policy costs around $446 a year, with high-risk insurance costing $2,252 or more. Teen drivers receive the highest rates at $4,036 a year or more.

Average premium for full coverage: $1,046

Rate estimates broken down by individual coverage type:

Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and Terrain trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how location helps determine insurance prices.

These examples demonstrate why it is important to compare rates quotes for a targeted area, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $616
• Raising to $1,000 deductibles will save approximately $930 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,046
• Choosing low $100 deductibles will cost an additional $220 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,252 or more
• The cost that insures a 16-year-old driver can cost as much as $4,036

View Chart as Image

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

If you like to drive fast or you caused an accident, you may be forking out $1,200 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 128% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $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 $750 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,410 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $340 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $362 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out which company is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so the rates can be significantly different.

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

Saving money on insurance for a GMC Terrain consists of being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Shop around at least once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief review of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $120 per year simply by quoting early and online
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,210 more annually for auto insurance
• Increasing deductibles can save approximately $325 each year
• Teenage drivers are charged the highest rates, with premiums as much as $336 per month if full coverage is included

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.

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.

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.