GMC Terrain Car Insurance Cost 2025
On average, insuring a GMC Terrain costs $121 per year. However, this amount can vary depending on factors like your age, the car’s model year, and other personal circumstances. To get a more tailored estimate, refer to the quote tables below and compare rates based on your specific details.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a GMC Terrain, you’ll need to consider the cost of insurance. On average, insurance for a GMC Terrain costs $121 per year. Insurance is a significant aspect of owning a car, and it’s essential to understand its implications before making a purchase.
Choosing the right car insurance policy is crucial to avoid unexpected and potentially high expenses in the future. It’s important to ensure you have adequate coverage in case of an accident to avoid significant out-of-pocket costs. Additionally, there’s the possibility of premium increases if you’re found responsible for an accident.
With over a decade of experience analyzing car insurance rates, I’ve noticed how much these costs can vary. Factors such as your age, driving record, and even your location can significantly impact your insurance premiums.
How Much Does A GMC Terrain Car Insurance Cost?
GMC Terrain owners typically pay an average of $121 annually for car insurance.
The cost of car insurance for a GMC Terrain is influenced by numerous factors, including your location, driving history, car model year, and chosen coverage options. Maintaining a clean driving record can significantly lower your premiums, while a history of accidents or traffic violations may increase costs.
Urban areas with heavy traffic typically have higher insurance rates compared to rural locations due to increased risk. Similarly, opting for comprehensive coverage—which includes both collision and non-collision incidents—usually costs more than basic liability coverage.
Compared to the average cost of insurance for all GMC models, insuring a GMC Terrain is generally less expensive. Additionally, it falls below the average cost of insurance for all vehicle types.
For personalized savings, Insuranceopedia offers tools to compare quotes from various auto insurance providers, helping you secure the best rates tailored to your needs.
| Vehicle | Average Monthly Premium |
| GMC Terrain | $142 |
| All GMC | $144 |
| All Cars | $175 |
Average Insurance Cost Of GMC Terrain By Model Year
| Model Year | Average Premium |
| 2023 GMC Terrain | $1,047 |
| 2022 GMC Terrain | $677 |
| 2021 GMC Terrain | $563 |
| 2020 GMC Terrain | $515 |
| 2019 GMC Terrain | $611 |
| 2018 GMC Terrain | $529 |
| 2017 GMC Terrain | $673 |
| 2016 GMC Terrain | $671 |
| 2015 GMC Terrain | $574 |
| 2014 GMC Terrain | $589 |
| 2013 GMC Terrain | $560 |
| 2012 GMC Terrain | $444 |
| 2011 GMC Terrain | $381 |
| 2010 GMC Terrain | $519 |
2024 GMC Terrain Insurance Rates
| Insurance Provider | Average Annual Cost |
| Victoria | $121 |
| Erie | $883 |
| AssuranceAmerica | $744 |
| Esurance | $1,160 |
| Wolverine Mutual | $1,267 |
| Safeco | $1,158 |
| American Independent Ins Co | $1,071 |
| Buckeye Insurance Group | $875 |
| Atlantic States Insurance | $1,199 |
| Central Mutual Insurance Co | $900 |
2023 GMC Terrain Insurance Rates
The average annual insurance cost for a 2023 GMC Terrain is $1,047. However, Safeco offers the cheapest rates, averaging $258 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $1,016 |
| Kemper Auto | Infinity | $535 |
| National General Value | $1,226 |
| New York Central Mutual Fire | $746 |
| Direct Auto | $1,585 |
| Safeco | $258 |
| USAA | $1,481 |
| SECURA Insurance | $1,285 |
| Texas Farm Bureau Group | $1,030 |
| Nationwide | $1,305 |
2022 GMC Terrain Insurance Rates
The average annual insurance cost for a 2022 GMC Terrain is $677. However, NatGen Advantage offers the cheapest rates, averaging $156per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $888 |
| Buckeye Insurance Group | $601 |
| NatGen Advantage | $156 |
| Safety Group | $1,131 |
| Victoria | $281 |
| Plymouth Rock Assurance | $801 |
| Safeco | $583 |
| Virginia Farm Bureau | $1,124 |
| MMG Insurance Company | $1,020 |
| National General Value | $187 |
2021 GMC Terrain Insurance Rates
The average annual insurance cost for a 2021 GMC Terrain is $677. However, Safeco offers the cheapest rates, averaging $325 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $514 |
| North Carolina Farm Bureau | $690 |
| Concord Group | $599 |
| American National P | $578 |
| Mercury Insurance | $766 |
| Kemper Auto | Infinity | $493 |
| Capital Insurance Group | $869 |
| AssuranceAmerica Mobile Max | $462 |
| Dairyland FR Bond | $330 |
| Safeco | $325 |
2020 GMC Terrain Insurance Rates
The average annual insurance cost for a 2020 GMC Terrain is $515. However, Safeco offers the cheapest rates, averaging $325 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $550 |
| NatGen Custom 360 | $337 |
| Kemper Auto | $682 |
| Dairyland Broadform | $201 |
| NatGen PPA | $807 |
| National General Value | $732 |
| American National P | $548 |
| Kemper Personal Insurance | $103 |
| PEMCO | $819 |
| Safeco | $374 |
2019 GMC Terrain Insurance Rates
The average annual insurance cost for a 2019 GMC Terrain is $611. However, Kemper Personal Insurance offers the cheapest rates, averaging $314 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $800 |
| Mercury Insurance | $978 |
| American National P | $557 |
| American National P&C | $608 |
| Dairyland FR Bond | $617 |
| Buckeye Insurance Group | $918 |
| Kemper Personal Insurance | $344 |
| NatGen Custom 360 | $542 |
| Dairyland Broadform | $352 |
| Safeco | $397 |
2018 GMC Terrain Insurance Rates
The average annual insurance cost for a 2018 GMC Terrain is $529. However, Dairyland Broadform offers the cheapest rates, averaging $225 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $640 |
| Dairyland Broadform | $225 |
| Utica National Ins Group | $814 |
| AssuranceAmerica Mobile Max | $325 |
| NatGen Custom 360 | $301 |
| Safeco | $231 |
| National General Value | $645 |
| American National P | $823 |
| Dairyland FR Bond | $617 |
| Infinity Special | $664 |
2017 GMC Terrain Insurance Rates
The average annual insurance cost for a 2017 GMC Terrain is $673. However, Safeco offers the cheapest rates, averaging $353 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $744 |
| NatGen Custom 360 | $424 |
| Dairyland Broadform | $624 |
| Safeco | $353 |
| Mercury Insurance | $692 |
| Infinity Special | $804 |
| Concord Group | $839 |
| Kemper Personal Insurance | $367 |
| National General Value | $945 |
| National General RAD | $934 |
2016 GMC Terrain Insurance Rates
The average annual insurance cost for a 2016 GMC Terrain is $671. However, Safeco offers the cheapest rates, averaging $261 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $658 |
| American National P | $774 |
| MMG Insurance Company | $792 |
| Safeco | $261 |
| SECURA Insurance | $828 |
| Countryway Insurance | $804 |
| Dairyland Broadform | $700 |
| NatGen Custom 360 | $506 |
| Mercury Insurance Company | $671 |
| Kemper Premium | $720 |
Find Affordable GMC Terrain Insurance Rates
2015 GMC Terrain Insurance Rates
The average annual insurance cost for a 2015 GMC Terrain is $574. However, Safeco offers the cheapest rates, averaging $44 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $893 |
| NatGen Custom 360 | $266 |
| Mercury Insurance | $575 |
| Dairyland FR Bond | $391 |
| NatGen PPA | $837 |
| Safeco | $44 |
| Utica National Ins Group | $769 |
| North Carolina Farm Bureau | $836 |
| American National P | $686 |
| AssuranceAmerica Mobile Max | $438 |
2014 GMC Terrain Insurance Rates
The average annual insurance cost for a 2014 GMC Terrain is $589. However, Safeco offers the cheapest rates, averaging $183 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $304 |
| Safeco | $183 |
| Mercury Insurance | $540 |
| NatGen Custom 360 | $455 |
| Concord Group | $669 |
| MMG Insurance Company | $827 |
| Rural Mutual Insurance | $751 |
| Dairyland Broadform | $622 |
| NatGen PPA | $762 |
| Dairyland FR Bond | $780 |
2013 GMC Terrain Insurance Rates
The average annual insurance cost for a 2013 GMC Terrain is $560. However, Mercury Insurance offers the cheapest rates, averaging $143 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $395 |
| Mercury Insurance | $143 |
| Safeco | $329 |
| AssuranceAmerica Mobile Max | $654 |
| American National P | $730 |
| Kemper Auto | $710 |
| NatGen Custom 360 | $367 |
| NatGen Value | $726 |
| SECURA Insurance | $745 |
| Buckeye Insurance Group | $798 |
2012 GMC Terrain Insurance Rates
The average annual insurance cost for a 2012 GMC Terrain is $444. However, Safeco offers the cheapest rates, averaging $162 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $517 |
| Buckeye Insurance Group | $670 |
| NatGen Custom 360 | $202 |
| Safeco | $162 |
| PEMCO | $631 |
| American National P | $719 |
| Dairyland Broadform | $416 |
| AssuranceAmerica Mobile Max | $536 |
| Kemper Personal Insurance | $240 |
| Mercury Insurance | $344 |
2011 GMC Terrain Insurance Rates
The average annual insurance cost for a 2011 GMC Terrain is $381. However, NatGen Custom 360 offers the cheapest rates, averaging $159 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $177 |
| American National P | $663 |
| Kemper Personal Insurance | $334 |
| NatGen Custom 360 | $159 |
| Safeco | $191 |
| Mercury Insurance | $359 |
| Buckeye Insurance Group | $771 |
| AssuranceAmerica Mobile Max | $330 |
| Concord Group | $585 |
| Dairyland Broadform | $282 |
2010 GMC Terrain Insurance Rates
The average annual insurance cost for a 2010 GMC Terrain is $519. However, Safeco offers the cheapest rates, averaging $32 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $32 |
| Kemper Personal Insurance | $350 |
| Mercury Insurance | $359 |
| MMG Insurance Company | $583 |
| American National P | $544 |
| EMC Insurance | $655 |
| Concord Group | $591 |
| Patriot Group | $674 |
| PEMCO | $667 |
| North Carolina Farm Bureau | $731 |
Find Affordable GMC Terrain Insurance Rates
Is A GMC Terrain Expensive To Insure?
The cost of insuring an Audi A4 is typically lower than the overall average for all cars. However, the exact amount you’ll pay can vary based on several factors. Age plays a significant role, as younger drivers face higher premiums, while more experienced drivers usually pay less. Additionally, the car’s model year impacts the price, with newer models often having higher repair costs, which can increase insurance rates. Location is another important factor; urban areas with higher traffic, accident rates, or crime tend to have more expensive insurance premiums compared to rural areas. Maintaining a clean driving record can help you secure lower rates, while violations or accidents may raise your costs. Finally, the type of coverage you select will directly affect the price—comprehensive and collision coverage will cost more than minimum liability coverage. Comparing quotes from different providers is the best way to find the most affordable rate for your specific profile and needs.
Cost of GMC Terrain Car Insurance By Age
Age is a key factor in determining car insurance rates for any vehicle. Teenagers generally face the highest premiums due to their statistically higher involvement in car accidents compared to other age groups. However, as drivers age and gain more experience, their premiums tend to decrease because they are considered lower insurance risks.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,512 | $9,648 | $11,283 |
| 18 | $6,113 | $8,934 | $10,426 |
| 19 | $5,430 | $7,931 | $9,218 |
| 20 | $4,735 | $6,848 | $8,050 |
| 21 | $3,968 | $5,757 | $6,725 |
| 22 | $3,859 | $5,679 | $6,568 |
| 23 | $3,375 | $4,895 | $5,806 |
| 24 | $3,185 | $4,691 | $5,436 |
| 25 | $2,749 | $4,010 | $4,680 |
| 30 | $2,138 | $3,136 | $3,693 |
| 35 | $1,960 | $2,905 | $3,450 |
| 40 | $1,902 | $2,874 | $3,348 |
| 45 | $1,913 | $2,732 | $3,256 |
| 55 | $1,764 | $2,490 | $2,941 |
| 65 | $1,811 | $2,632 | $3,092 |
| 75 | $2,235 | $3,297 | $3,937 |
Cost of GMC Terrain Car Insurance By State
Your location significantly impacts how insurance companies determine rates. Each state has its own auto insurance regulations, which can influence premiums. For instance, Michigan drivers often face higher rates due to the state’s requirement for higher levels of coverage. Additionally, local climate conditions play a role, with states prone to extreme weather events like hurricanes, storms, or flooding typically incurring higher insurance costs.
Crime and accident statistics in your area, including car thefts, crashes, and vehicle fatality rates, also affect premiums. Insurance providers take all these factors into account when calculating the specific cost of insuring your GMC Terrain.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,057 | $2,967 | $3,800 |
| Alaska | $1,687 | $2,329 | $2,252 |
| Arizona | $1,878 | $2,798 | $4,086 |
| Arkansas | $2,054 | $3,339 | $3,583 |
| California | $2,304 | $4,142 | $2,312 |
| Colorado | $2,168 | $3,069 | $3,861 |
| Connecticut | $2,753 | $4,278 | $5,483 |
| Delaware | $2,291 | $3,111 | $3,904 |
| Florida | $2,723 | $3,794 | $4,946 |
| Georgia | $2,281 | $3,367 | $3,334 |
| Hawaii | $848 | $1,194 | $856 |
| Idaho | $1,557 | $2,013 | $2,520 |
| Illinois | $1,671 | $2,498 | $2,753 |
| Indiana | $1,648 | $2,582 | $2,899 |
| Iowa | $1,291 | $1,852 | $2,142 |
| Kansas | $1,725 | $2,525 | $2,962 |
| Kentucky | $2,549 | $3,737 | $4,387 |
| Louisiana | $3,283 | $4,984 | $5,378 |
| Maine | $1,228 | $1,679 | $2,530 |
| Maryland | $1,953 | $2,889 | $3,219 |
| Massachusetts | $1,588 | $2,796 | $1,636 |
| Michigan | $3,908 | $5,898 | $9,266 |
| Minnesota | $1,542 | $2,129 | $2,954 |
| Mississippi | $1,969 | $2,720 | $2,729 |
| Missouri | $1,775 | $2,614 | $3,389 |
| Montana | $1,868 | $2,560 | $3,026 |
| Nebraska | $1,544 | $2,293 | $2,521 |
| Nevada | $2,610 | $3,793 | $4,034 |
| New Hampshire | $1,749 | $2,841 | $3,594 |
| New Jersey | $2,008 | $3,090 | $4,005 |
| New Mexico | $2,040 | $2,970 | $3,138 |
| New York | $1,865 | $2,382 | $3,953 |
| North Carolina | $1,192 | $1,980 | $1,396 |
| North Dakota | $1,554 | $2,397 | $2,855 |
| Ohio | $1,379 | $2,217 | $2,269 |
| Oklahoma | $2,240 | $3,179 | $3,666 |
| Oregon | $2,066 | $2,702 | $3,296 |
| Pennsylvania | $1,752 | $2,540 | $2,911 |
| Rhode Island | $2,863 | $4,255 | $4,708 |
| South Carolina | $1,974 | $2,708 | $3,698 |
| South Dakota | $1,776 | $2,529 | $2,865 |
| Tennessee | $2,046 | $2,991 | $4,083 |
| Texas | $2,089 | $3,007 | $3,739 |
| Utah | $1,787 | $2,481 | $3,428 |
| Vermont | $1,328 | $2,092 | $2,251 |
| Virginia | $1,244 | $1,959 | $1,881 |
| Washington | $1,681 | $2,342 | $2,702 |
| West Virginia | $1,671 | $2,433 | $3,066 |
| Wisconsin | $1,711 | $2,649 | $3,038 |
| Wyoming | $1,617 | $2,216 | $2,412 |
Find Affordable GMC Terrain Insurance Rates
Cheapest Car Insurance Companies For A GMC Terrain
If you’re in the market for a new car insurance policy for your GMC Terrain, knowing which companies offer the most affordable options is essential. For drivers seeking the cheapest coverage, StateAuto provides an average monthly premium of $28, making them the least expensive option for insuring a GMC Terrain. However, keep in mind that insurance rates can vary depending on your individual driving profile. To ensure you get the best deal for your specific needs, it’s always a good idea to shop around and compare quotes from multiple providers.
| Company | Average Monthly Rate |
| StateAuto | $28 |
| Hugo | $33 |
| FirstChicago | $44 |
| Mapfre | $36 |
| MetroMile | $41 |
Common GMC Terrain Insurance Discounts
Discounts are an excellent way to reduce your car insurance expenses. While the discounts available vary between providers, there are a few common ones worth exploring:
- Multi-policy discounts: Bundling your home and auto insurance with the same provider often qualifies you for a reduced rate.
- Annual payment discounts: Paying your premium in full upfront instead of in monthly installments can lead to savings.
- Defensive driving discounts: Completing a defensive driving course through a certified institution can make you eligible for lower premiums.
Additionally, other discounts may apply depending on your circumstances. To maximize your savings, consult with your insurance agent, who can guide you toward the discounts you’re eligible for.
Ways To Save On GMC Terrain Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your GMC Terrain insurance costs down. Accumulating speeding tickets or being involved in accidents can significantly raise your premiums. GMC Terrain drivers with a ticket on their record can expect to pay around $124 per month, while those with multiple accidents may see their rates increase to an average of $129 per month. By avoiding these incidents, you can keep your insurance costs low.
Additionally, drivers who have low annual mileage tend to pay less for GMC Terrain insurance. The less time you spend on the road, the fewer chances there are for accidents, making you a lower risk to insure. GMC Terrain drivers who drive between 2,501 and 5,000 miles per year typically pay around $82 per month for car insurance. In contrast, drivers who exceed 10,000 miles per year can expect to pay around $89 per month.
Compare GMC Terrain To Other GMC Models
Looking for other GMC model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used was that of a 40-year-old male driver purchasing full-coverage car insurance, with coverage limits set at $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. It's important to note that the figures provided in this guide may differ from your individual results, as insurance rates can vary based on a range of personal factors such as age, driving history, location, and the specific coverage options you choose.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A GMC Terrain?
Yes, you will need to provide proof of insurance before you can drive your GMC Terrain out of the dealership. The best approach is to purchase a policy in advance and inform your insurance company that you are about to buy the car, rather than relying on the dealership for insurance.
How Can You Get The Cheapest Insurance For Your GMC Terrain?
The best way to find the cheapest rates for your GMC Terrain is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website.
