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Key takeaways:
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.
Table of Contents
The average GMC Terrain auto insurance rates are $1,336 a year or $111 a month.
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 |
However, there are a few things you can do to find the cheapest GMC insurance rates online.
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.
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 |
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 Los Angeles may pay $1,149 a year more than drivers in Indianapolis.
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.
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 | |
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 | ||||
|---|---|---|---|---|
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:
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 | |
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.
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
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 | |||
Save on your GMC Terrain auto insurance rates by taking advantage of our FREE comparison tool.
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