Are GMC Terrains Expensive to Insure? [Everything You Need to Know]

If you want to buy GMC Terrain insurance coverage then a policy will cost $111 per month ($1,336 per year) on average. Finding GMC Terrain teenager insurance rates can cost on average $4,883 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 7, 2020

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Key Takeaways:

  • Full coverage costs around $1,336 a year or $111 each month
  • A liability-only policy costs around $536 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,883 a year or $407 each month
  • Good drivers can save as much as $551 a year by earning policy discounts
  • GMC Terrain insurance costs around $183 less per year than the average vehicle

GMC Terrain car insurance rates cost drivers an average of $1,336 a year, which is equal to a $111 monthly insurance bill. Some of the determining factors that influence GMC Terrain rates include driver and vehicle age, along with the safety ratings of the model you drive.

Read through this helpful article to figure out how GMC Terrain insurance rates are calculated so you can compare quotes with a trained eye.

You can start comparing quotes for GMC Terrain car insurance rates from some of the best car insurance companies by using our free online tool now.

GMC Terrain Insurance Cost

The average auto insurance rates for a GMC Terrain cost $1,336 a year or $111 a month.

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Are GMC Terrains Expensive to Insure?

The chart below details how GMC Terrain insurance rates compare to other SUVs like the Volkswagen Atlas, GMC Acadia, and Ford Explorer.

Vehicle Comprehensive Collision Liability Total
GMC Terrain $322 $562 $316 $1,336
Volkswagen Atlas $358 $690 $390 $1,596
GMC Acadia $294 $470 $372 $1,294
Ford Explorer $308 $470 $372 $1,308
Ford Expedition $336 $532 $316 $1,320
Lexus RX 350 $358 $660 $440 $1,638
Honda Pilot $336 $470 $372 $1,336
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However, there are a few things you can do to find the cheapest GMC insurance rates online.

What Impacts the Cost of GMC Terrain Insurance?

The GMC Terrain trim and model you choose can impact the total price you will pay for GMC Terrain insurance coverage.

Age of the Vehicle

The average GMC Terrain car insurance rates are higher for newer models. For example, car insurance for a 2020 GMC Terrain costs $1,336, while 2010 GMC Terrain insurance costs are $1,064, a difference of $272.

Model Year Comprehensive Collision Liability Total
2020 GMC Terrain $322 $562 $316 $1,336
2019 GMC Terrain $306 $542 $332 $1,316
2018 GMC Terrain $294 $536 $338 $1,304
2017 GMC Terrain $284 $524 $354 $1,298
2016 GMC Terrain $274 $502 $364 $1,276
2015 GMC Terrain $260 $484 $376 $1,256
2014 GMC Terrain $250 $450 $384 $1,220
2013 GMC Terrain $240 $424 $388 $1,188
2012 GMC Terrain $230 $380 $390 $1,136
2011 GMC Terrain $214 $350 $390 $1,090
2010 GMC Terrain $206 $328 $394 $1,064
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Driver Age

Driver age can have a significant effect on GMC Terrain car insurance rates. For example, 30-year-old drivers pay $59 more for GMC Terrain car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on GMC Terrain insurance rates. For example, drivers in Houston may pay $985 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of GMC Terrain car insurance. Teens and drivers in their 20’s see the highest jump in their GMC Terrain car insurance with violations on their driving record.

GMC Terrain Safety Ratings

The GMC Terrain’s safety ratings will affect your GMC Terrain car insurance rates. See the chart below:

Test Type Rating
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
Source: Insurance Institute for Highway Safety
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GMC Terrain Crash Test Ratings

GMC Terrain crash test ratings can impact your GMC Terrain car insurance rates. See GMC Terrain crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 GMC Terrain SUV FWD 5 stars 5 stars 5 stars 4 stars
2020 GMC Terrain SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 GMC Terrain SUV FWD 5 stars 5 stars 5 stars 4 stars
2019 GMC Terrain SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 GMC Terrain SUV FWD Later Release 5 stars 5 stars 5 stars 4 stars
2018 GMC Terrain SUV FWD Early Release 4 stars 5 stars 4 stars 4 stars
2018 GMC Terrain SUV AWD Later Release 5 stars 5 stars 5 stars 4 stars
2018 GMC Terrain SUV AWD Early Release 4 stars 5 stars 4 stars 4 stars
2017 GMC Terrain SUV FWD 4 stars 4 stars 5 stars 4 stars
2017 GMC Terrain SUV AWD 4 stars 4 stars 5 stars 4 stars
2016 GMC Terrain SUV FWD 4 stars 4 stars 5 stars 4 stars
2016 GMC Terrain SUV AWD 4 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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GMC Terrain Safety Features

The more safety features you have on your GMC Terrain, the more likely it is that you can earn a discount. The GMC Terrain’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

GMC Terrain Insurance Loss Probability

Another contributing factor that plays a direct role in GMC Terrain insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision -11%
Property Damage -17%
Comprehensive -19%
Personal Injury -4%
Medical Payment -8%
Bodily Injury -14%
Source: Insurance Institute for Highway Safety
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GMC Terrain Finance and Insurance Cost

If you are financing a GMC Terrain, most lenders will require your carry higher GMC Terrain coverage options including comprehensive coverage, so be sure to shop around and compare GMC Terrain car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on GMC Terrain Insurance

You have more options at your disposal to save money on your GMC Terrain auto insurance costs. For example, try taking advantage of the following five strategies to reduce your GMC Terrain car insurance rates

  • Remove Unnecessary Insurance Once Your GMC Terrain is Paid Off
  • Ask About Mature Driver Discounts for Drivers Over 50
  • Ask About Retiree Discounts
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Don’t Always Pick the Cheapest GMC Terrain Insurance Policy

Top GMC Terrain Insurance Companies

Who is the top auto insurance company for GMC Terrain insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering GMC Terrain auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the GMC Terrain offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free GMC Terrain Insurance Quotes Online

You can start comparing quotes for GMC Terrain insurance from some of the top car insurance companies by using our free online tool today.
Determining the auto insurance costs of the GMC Terrain before purchasing the vehicle is wise.

Some vehicles have absurdly high rates and others have very low rates. Understanding how much to budget for car insurance before making the purchase is a smart move all around.

Read on to learn about some of the things that affect the auto insurance costs for the GMC Terrain and then enter your zip code above for a free GMC Terrain car insurance comparison!

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GMC Terrain Details

The GMC Terrain is GMC‘s newest crossover and closely mirrors the Chevy Equinox. The GMC Terrain has a four-cylinder engine that has an impeccable fuel economy rate. The inside of the Terrain is very large and comfortable; this is the part of the vehicle that sets it above others.

The GMC Terrain has a great noise canceling system, which makes the Terrain one of the quietest crossovers. If you are looking for a spacious crossover for a larger family this could be the car for you.

The price on the GMC Terrain is roughly $24,000-$31,00. The only disadvantage to the Terrain is that the trunk space is not used efficiently and could be larger.

The GMC Terrain four-cylinder Terrain is estimated at 22 mpg in the city and 32 mpg on the highway. The V6 model is estimated to get 17 mpg in the city and 25 mpg on the highway. They come standard with antilock brakes, stability control, and front and side airbags.

GMC Terrain Car Insurance Rates

Below is a list of a few insurance quotes for a GMC Terrain. Please remember that rates can vary widely depending on driving history, region, age of driver, etc. so always shop around for the best quote.

  • Liberty Mutual: $247 a month
  • Safeco Insurance: $252.55 a month
  • QBE: $266.83 a month
  • General: $275.17 a month
  • Allstate: $209 a month

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