Compare GMC Terrain Insurance Quotes [Guide + Free Quotes]

If you want to buy inexpensive GMC Terrain insurance coverage then you should know that a policy will cost $111 per month ($1,336 per year) on average. On average, comprehensive coverage costs $325, collision coverage costs $475, and liability coverage costs $377 for GMC Terrain insurance.

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Sara Routhier, Director of Outreach and Managing Editor of Features, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overw...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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

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.

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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 Toyota Highlander, GMC Acadia, and Jeep Grand Cherokee.

Vehicle Comprehensive Collision Liability Total
GMC Terrain $322 $562 $316 $1,336
Toyota Highlander $332 $512 $390 $1,392
GMC Acadia $294 $470 $372 $1,294
Jeep Grand Cherokee $322 $562 $372 $1,414
Volkswagen Touareg $372 $690 $390 $1,610
Nissan Pathfinder $294 $452 $390 $1,294
Mitsubishi Outlander $306 $542 $332 $1,316
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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 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.

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 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.

Driver Location

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:

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

Poor GMC Terrain crash test ratings could mean higher GMC Terrain car insurance rates.

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

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
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 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.

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

Save money by comparing GMC Terrain insurance rates with free quotes online now!

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