Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 19, 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 cost $111 per month, but you can save money by enrolling liability-only coverage which costs $45 per month. You can also save $551 per year through policy discounts. Read through this guide to learn how you can be eligible for those discounts.

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

GMC Terrain Insurance Cost

The average GMC Terrain auto 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 BMW X3, Cadillac Escalade, and Volvo XC60.

Vehicle Comprehensive Collision Liability Total
GMC Terrain $322 $562 $316 $1,336
BMW X3 $376 $656 $372 $1,562
Cadillac Escalade $458 $780 $466 $1,904
Volvo XC60 $306 $536 $338 $1,316
Toyota Sequoia $332 $566 $398 $1,454
Buick Enclave $348 $594 $372 $1,472
Cadillac Escalade ESV $464 $720 $390 $1,732
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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?

Even though the average annual rate for the GMC Terrain is $1,336, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your GMC Terrain.

Age of the Vehicle

The average GMC Terrain auto insurance rates are higher for newer models. For example, auto 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 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 Los Angeles may pay $1,149 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 with violations on their driving record.

GMC Terrain Safety Ratings

Your GMC Terrain auto 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

Poor GMC Terrain crash test ratings could mean higher GMC Terrain auto 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 GMC Terrain safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your GMC Terrain auto insurance rates. 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, most lenders will require your carry higher GMC Terrain coverage options including comprehensive coverage, so be sure to shop around and compare GMC Terrain auto insurance quotes from the best auto insurance 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

  • Ask About GMC Terrain Discounts If You Were Listed on Someone Else’s Policy
  • Ask for a Higher Deductible for Your GMC Terrain Insurance Policy
  • Move to an Area with a Lower Cost of Living
  • Buy An Older GMC Terrain
  • Consider Renting a Car Instead of Buying a Second GMC Terrain

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

Save on your GMC Terrain auto insurance rates by taking advantage of our FREE comparison tool.