How Much is Insurance on a GMC Terrain? [Guide + Free Quotes]

Rates for GMC Terrain auto insurance average $1,336/yr, or around $111/mo. On average, GMC Terrain comprehensive insurance coverage costs $325, collision coverage costs $475, and liability coverage costs $377. GMC Terrain insurance costs around $183 less per year than the average vehicle. Good drivers can save up to $551 a year on these costs by earning discounts.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 insurance rates are about $183 less per year than the average vehicle with full coverage costing around $1,336 a year or $111 a month. The highest rates are for teens who pay around $4,883 a year or $407 a month as they’re considered to be high-risk.

Good drivers can save up to $551 a year in policy discounts by being a safe driver. Let’s take a quick look at GMC Terrain insurance rates, crash test ratings, and more.

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 GMC Terrain car insurance rates 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 Cadillac Escalade ESV, Jaguar F-PACE, and Kia Telluride.

Vehicle Comprehensive Collision Liability Total
GMC Terrain $322 $562 $316 $1,336
Cadillac Escalade ESV $464 $720 $390 $1,732
Jaguar F-PACE $470 $982 $398 $2,008
Kia Telluride $376 $688 $316 $1,516
Audi Q3 $344 $686 $398 $1,586
Audi Q7 $394 $714 $398 $1,664
BMW X3 $376 $656 $372 $1,562
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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

The average GMC Terrain auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 GMC Terrain cost $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 the cost of GMC Terrain auto insurance. For example, 20-year-old drivers pay as much as $1,693 more each year for their GMC Terrain auto 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 Jacksonville may pay $801 a year more than drivers in Indianapolis.

Your Driving Record

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

GMC Terrain Safety Ratings

Your GMC Terrain car insurance rates are tied to the safety ratings of the GMC Terrain. 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

The crash test ratings of the GMC Terrain can impact your 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

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

The GMC Terrain’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the GMC Terrain, others are more favorable and lead to lower insurance rates.

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, you will pay more if you purchase GMC Terrain auto insurance at the dealership, so be sure to shop around and compare GMC Terrain auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on GMC Terrain Insurance

There are many ways that you can save on GMC Terrain car insurance. Below are five actions you can take to find cheap GMC Terrain auto insurance rates.

  • Check Reviews and State Complaints Before You Choose an Insurer
  • Pay Your Bills On Time — Especially GMC Terrain Payments and Insurance
  • Compare Apples to Apples When Comparing GMC Terrain Insurance Quotes and Policies
  • Purchase a Roadside Assistance Program for Your GMC Terrain
  • Audit Your GMC Terrain Driving When You Move to a New Location or Start a New Job

Top GMC Terrain Insurance Companies

Who is the best 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 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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