UPDATED: Jul 31, 2020
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- 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
Finding cheap GMC Terrain insurance rates doesn’t need to be complicated. Full coverage for a GMC Terrain costs around $1,336 a year, or $111 each month. Factors such as driving record, age, or crash test ratings can affect GMC Terrain insurance rates.
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 car insurance costs for a GMC Terrain are $1,336 a year or $111 a month.
Are GMC Terrains Expensive to Insure?
The chart below details how GMC Terrain insurance rates compare to other SUVs like the Toyota Highlander, GMC Acadia, and Jeep Grand Cherokee.
|Jeep Grand Cherokee||$322||$562||$372||$1,414|
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 will affect the total price you will pay for GMC Terrain insurance coverage.
Age of the Vehicle
Older GMC Terrain models generally cost less to insure. For example, auto insurance rates for a 2020 GMC Terrain are $1,336, while 2010 GMC Terrain rates are $1,064, a difference of $272.
|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|
Driver age can have a significant impact on GMC Terrain auto insurance rates. As an example, a 40-year-old driver could pay $141 less each month for their GMC Terrain auto insurance compared to a 20-year-old driver.
Where you live can have a large impact on GMC Terrain insurance rates. For example, drivers in Jacksonville may pay $801 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on your GMC Terrain auto insurance rates. 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
Your GMC Terrain auto insurance rates are influenced by the GMC Terrain’s safety ratings. See the breakdown below:
|Small overlap front: driver-side||Good|
|Small overlap front: passenger-side||Good|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
|Source: Insurance Institute for Highway Safety|
GMC Terrain Crash Test Ratings
Poor GMC Terrain crash test ratings could mean higher GMC Terrain car insurance rates.
|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|
GMC Terrain Safety Features
Good GMC Terrain safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 GMC Terrain are:
- 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
Review the GMC Terrain car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower GMC Terrain auto insurance costs; higher percentages mean higher GMC Terrain auto insurance costs.
|Insurance Coverage Category||Loss Rate|
|Source: Insurance Institute for Highway Safety|
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.
Ways to Save on GMC Terrain Insurance
You can save more money on your GMC Terrain auto insurance rates by employing any of the following five strategies.
- Ask About GMC Terrain Low Mileage Discounts
- Use Paperless Billing for Your GMC Terrain Insurance Policy
- Buy An Older GMC Terrain
- Ask Your Insurance Company About GMC Terrain Discounts
- Buy Winter Tires for Your GMC Terrain
Top GMC Terrain Insurance Companies
Several insurance companies offer competitive rates for the GMC Terrain based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with GMC Terrain drivers organized by market share.
|Source: Insurance Information Institute|
Compare Free GMC Terrain Insurance Quotes Online
Save money by comparing GMC Terrain insurance rates with free quotes online now!