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 $1,090 a year for full coverage. Comprehensive insurance costs on average $214 each year, collision costs $350, and liability coverage costs $390. A liability-only policy costs as little as $438 a year, with high-risk insurance costing $2,352 or more. Teens receive the highest rates at $4,172 a year or more.

Average premium for full coverage: $1,090

Rate estimates by individual coverage type:

Prices include $500 deductible amounts, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Terrain models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

These examples show why all drivers should compare rates based on a specific location and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $639
• Drivers who choose higher $1,000 deductibles will pay around $130 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,090
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $246 each year
• High-risk insureds with serious driving violations could pay upwards of $2,352 or more
• The cost for full coverage for a teenage driver may cost $4,172 a year

View Chart as Image

Insurance rates for a GMC Terrain can also vary considerably based on your driver profile, the trim level of your Terrain, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,000 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $4,100 a year. View Rates by Age

Where you live makes a big difference in GMC Terrain insurance rates. A 40-year-old driver could pay as low as $720 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,550 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $380 a year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every company calculates rates differently, so the rates can be significantly different from one company to the next.

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 Find the Right GMC Terrain Insurance

Saving money on auto insurance not only requires having a good driving record, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to compare rates once a year by getting rate quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The next list is a quick rundown of the data that was covered in the above illustrations.

• Drivers can save as much as $130 per year simply by quoting online in advance
• Consumers who require increased levels of liability coverage will pay approximately $430 each year to go from a minimum limit to 250/500 limits
• Drivers age 20 and younger pay the highest rates, costing as high as $348 per month for full coverage
• Drivers with reckless driving or DUI convictions will pay on average $1,260 more each year to buy GMC 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.