GMC Terrain Car Insurance: How Much Should You Expect to Pay?

GMC Terrain drivers pay an average of $144 a month for their car insurance rates. Our in-depth guide will help you find out how much auto insurance companies might charge you to insure your GMC Terrain.

Quick Facts

  • A GMC Terrain is less expensive to insure compared to the average SUV.
  • Full coverage insurance for a Terrain comes in at about $143 per month, on average, while liability only insurance generally runs around $82 monthly.
  • The lowest auto insurance company for a Terrain is AmericanAlliance.

Terrain Overview

The GMC Terrain is a great budget-friendly SUV for drivers of all types, with a base price of just $27,900 for 2022 models. Drive off the dealership lot in style, with four different trim options offered.

We combed through thousands of car insurance quotes on Compare.com, and we've found that GMC Terrain auto insurance premiums run about $144 per month, on average. But how does that compare to other vehicles on the market?

Current Base Price$27,900
Body Style(s)SUV
Trim LevelsSLT, SLE, DENALI, AT4
Average Insurance Premium$144/mo.
Cheapest Insurance CompanyAmericanAlliance

How Much is Car Insurance for a GMC Terrain?

Vehicle Liability Only Full Coverage
GMC Terrain$82$143
All GMC Models$73$142
All SUVs$80$151
Average Insurance Premium$81$169

Based on the table above, compared to other vehicles, GMC Terrain insurance prices are lower than average. On average, Terrain owners can expect to pay around $82 a month for liability insurance, and about $143 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When compared to other models, the Terrain is on par with GMC's vehicle offerings. Similarly, compared to other vehicles of a similar body style, Terrain coverage runs close to average, with full coverage insurance premiums $8 cheaper than other SUVs and liability insurance rates coming in at $2 higher.

When compared to all vehicles, regardless of make, model, or body style, full coverage prices are less expensive for a Terrain, but run slightly higher than average for liability only policies.

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Who has the Cheapest Car Insurance for a GMC Terrain?

Insurance Company Average Monthly Premium
StateAuto$29
Hugo$32
Mapfre$35
MetroMile$40
FirstChicago$43

If you're searching for a new car insurance policy for your GMC Terrain, you may be most interested in which carrier offers the lowest rates. Although costs will normally be pretty different from driver to driver, StateAuto has the cheapest average rates for liability only coverage, with rates as low as $29 a month. The runner up for most affordable rates is Hugo, with car insurance policies starting as little as $32 per month.

Rounding out the list are Mapfre, MetroMile, and FirstChicago. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your GMC Terrain.

Car insurance companies use a variety of different variables and complex formulas to calculate rates. By analyzing quotes from numerous insurance carriers at once, you can be sure you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a GMC Terrain?

As we mentioned above, there are a range of things that car insurance companies reference to choose how much they charge you -- and each company weighs different variables more heavily than others, so there's not one carrier that's the lowest for every Terrain driver.

Below are just a few of the factors auto insurance carriers look at and how each one affects your final rate:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$85
2-3 Years$80
4-5 Years$76
6-7 Years$93
8-10 Years$78
11-14 Years$73
15 Years or OlderNot Enough Data

The GMC Terrain has been around for a while, so vehicle age may play a big role in what you end up paying for insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Terrains begin to depreciate, insurance costs will gradually get lower.

As you can see in the table above, the GMC Terrain follows this trend, as the most expensive models to insure are those that are 6 to 7 years old, while on average, the cheapest models are Terrains that are 11 to 14 years old.

Your Age

Age Average Monthly Premium

Age is another factor that makes a difference in how much you pay for auto insurance. Based on the information in the table above, drivers who are under 24 pay more expensive premiums compared to drivers who have more experience on the road. In this case, drivers aged between 18 and 24 pay $47 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group for Terrain drivers being 65 years and older.

Your Gender

Gender Average Monthly Premium
Male$86
Female$80

Did you know men tend to pay more for car insurance than women? This is because men are more likely to get tickets and get into accidents, which increases the chances of an insurance claim. When it comes to Terrain drivers specifically, women pay around 7% less than men monthly for insurance.

Where You Live

State Average Monthly Premium
California$50
Florida$102
Georgia$112
Illinois$41
New York$144
North Carolina$46
Ohio$48
Pennsylvania$65
Texas$60
Virginia$60

You were probably already aware that things like what vehicle you drive and how old you are play a role in your car insurance prices, but you may not realize that where you live is equally important. Insurance is regulated on the state level and not nationally, so rates change quite a bit from state to state.

For example, the average GMC Terrain owner in New York pays about $144 per month for liability coverage. Meanwhile, on average, the same Californian driver will pay less than half of that price. The chart shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change between states.

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GMC Terrain Car Insurance Discounts

Regardless of what state you live in, how old you are, or which car you drive, it's always important to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

Not every insurance company will offer the same discounts, but there are a few that are relatively common. These include things like:

  • Multi-vehicle discounts for adding more than one car to your auto policy
  • Pay-in-full discounts for choosing to pay your entire policy premium up front, rather than by monthly payments
  • Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
  • Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)

These are just a few of the discounts out there. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

While you may not be able to control every variable auto insurance companies examine to calculate rates (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the ones you can use to your advantage when it comes to saving cash:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$94
Multiple Accidents$128
1 Ticket$124
Multiple Tickets$178

You've almost certainly noticed ads from insurance carriers offering large savings for responsible drivers. It makes sense that if you get into an accident or get cited for speeding, car insurance prices will get higher. But how much will they cost you?

You can see from the table above that accidents will usually cost Terrain drivers less than tickets, but both will result in higher than average rates. GMC Terrain drivers with a single ticket will pay an average of $124 a month, while drivers with one accident on their record pay about $94 each month (up $12 from the $82/mo. overall average). Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$67
2,501-5,000 Miles$80
5,001-7,500 Miles$70
7,501-10,000 Miles$83
10,000+ Miles$88

Another factor you have control over is the amount of miles you drive each year. Those who are on the roads less often are more likely to go accident-free, so they'll usually end up spending less on insurance. In the above table, you can see that GMC Terrain owners who drive fewer than 2,500 miles per year pay about $67 monthly for auto insurance, while those who put 10,000 miles or more on their cars pay $88.

But if you don't drive much because you work from home or have a second vehicle, it may be worth reviewing usage-based or pay-per-mile car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do GMC Terrains Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and a GMC Terrain is on your shortlist, you might want to know how it compares to other vehicles. Auto insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth thinking about carefully.

Review the table below to see how the GMC Terrain compares:

GMC Terrain National Average
Liability Insurance-$81
Full Coverage Insurance$109$169
Base MSRP$27,900$46,192
Average Annual Mileage14,75611,617

With an MSRP that's a third less than the going rate for a new vehicle, the GMC Terrain is a fantastic value when it comes to price. The Terrain has a base price of $27,900, which is quite a bit lower than the national average vehicle MSRP of $46,192.

Liability insurance for a GMC Terrain is, while full coverage is more than $50 cheaper a month.

When it comes to usage, GMC Terrain drivers are far from the national average in annual miles driven, with 14,756 miles every year compared to 11,617 for all vehicles.

GMC Terrain Car Insurance Costs by Model Year

We've walked through many of the factors that can affect a driver's auto insurance rates. If you're considering purchasing a new Terrain, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your choices.

2021 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$55
Full Coverage Avg. Premium$137
Base MSRP$25,000
Cheapest Insurance CompanyDirectGeneral - $35/mo.
Available TrimsDENALI, SL, SLE, SLT

2021 GMC Terrain drivers can expect to pay an average of $55 monthly for liability or $137 for full coverage.

DirectGeneral has rates as low as just $35 per month for the 2021 GMC Terrain.

If you want to know exactly how much you can expect to pay for your Terrain, just enter your ZIP code below and get free quotes in minutes.

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2020 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$114
Full Coverage Avg. Premium$161
Base MSRP$25,000
Cheapest Insurance CompanyDirectGeneral - $33/mo.
Available TrimsDENALI, SL, SLE, SLT

On average, drivers who own a 2020 Terrain can expect to pay $114 to $161 monthly for liability only and full coverage insurance, respectively.

Looking for the most affordable policy? DirectGeneral offered liability only coverage for as little as just $33 a month.

These average premiums are a great starting point if you're in the market for a 2020 GMC Terrain, but there are a bunch of variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2019 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$105
Full Coverage Avg. Premium$164
Base MSRP$25,000
Cheapest Insurance CompanyDairyland - $26/mo.
Available TrimsDENALI, SL, SLE, SLT

It costs around $105 per month for liability or $164 for a full coverage policy for the 2019 GMC Terrain.

If you're looking for the cheapest possible 2019 GMC Terrain insurance policy, Dairyland offered the lowest policy we found, with rates as cheap as just $26 a month.

Want to know exactly what your car insurance rate will be? Just enter your ZIP code below to get several personalized quotes for free.

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2018 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$91
Full Coverage Avg. Premium$157
Base MSRP$24,995
Cheapest Insurance CompanyShelter Mutual - $24/mo.
Available TrimsDENALI, SL, SLE, SLT

The average cost to insure a 2018 Terrain with liability only coverage is $91 per month, while full coverage runs about $157 monthly.

We found Shelter Mutual offered the cheapest policy, with rates sometimes as low as $24 per month.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2017 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$145
Base MSRP$24,070
Cheapest Insurance CompanyCommonwealth Casualty - $20/mo.
Available TrimsDENALI, SL, SLE, SLT

You can expect full coverage for a 2017 GMC Terrain to run around $145 a month, while liability only coverage will average about $72 monthly.

Commonwealth Casualty offered the most affordable policy we found, with rates sometimes as little as $20 per month.

Want to find the cheapest rates? Get lots of customized quotes for free by just entering your ZIP code below.

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2016 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$151
Base MSRP$23,975
Cheapest Insurance CompanyNYCM - $26/mo.
Available TrimsDENALI, SL, SLE, SLT

It costs around $70 monthly for liability or $151 for a full coverage policy for the 2016 Terrain.

With prices sometimes as cheap as $26 a month, NYCM offered the lowest policy we found for the 2016 GMC Terrain.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2015 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$144
Base MSRP$24,070
Cheapest Insurance CompanyLiberty Mutual - $18/mo.
Available TrimsDENALI, SL, SLE, SLT

2015 GMC Terrain drivers can expect to pay an average of $77 monthly for liability or $144 for full coverage.

With premiums as cheap as $18 per month, Liberty Mutual offered the most affordable policy we found.

What will your auto insurance rate be? Get a variety of free personalized quotes by just entering your ZIP code below.

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2014 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$98
Full Coverage Avg. Premium$140
Base MSRP$26,465
Cheapest Insurance CompanyElephant - $19/mo.
Available TrimsDENALI, SLE, SLT

On average, drivers who own a 2014 Terrain can expect to pay $98 to $140 a month for liability only and full coverage insurance, respectively.

Looking for the lowest policy? Elephant offered liability only coverage for sometimes as low as $19 monthly.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2013 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$141
Base MSRP$26,305
Cheapest Insurance CompanyGainsco - $20/mo.
Available TrimsDENALI, SLE, SLT

You can expect full coverage for a 2013 GMC Terrain to run about $141 a month, while liability only coverage will average around $79 per month.

Gainsco offered the most affordable policy we found, with rates sometimes as little as $20 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2012 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$135
Base MSRP$25,560
Cheapest Insurance CompanyMercury - $16/mo.
Available TrimsSLE, SLT

The average cost to insure a 2012 Terrain with liability only coverage is $74 per month, while full coverage runs about $135 monthly.

We found Mercury offered the cheapest policy, with rates sometimes as cheap as $16 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2011 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$78
Full Coverage Avg. Premium$135
Base MSRP$24,500
Cheapest Insurance CompanyClearcover - $19/mo.
Available TrimsSLE, SLT

You can expect full coverage for a 2011 GMC Terrain to run around $135 a month, while liability only coverage will average about $78 monthly.

With rates as little as just $19 a month, Clearcover offered the most affordable policy we found for the 2011 GMC Terrain.

Want something more accurate than national averages? Just enter your ZIP code below to get multiple free personalized quotes.

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2010 GMC Terrain Car Insurance

   
Liability Only Avg. Premium$87
Full Coverage Avg. Premium$136
Base MSRP$24,250
Cheapest Insurance CompanyLiberty Mutual - $19/mo.
Available TrimsSLE, SLT

2010 Terrain drivers can expect to pay an average of $87 per month for liability or $136 for full coverage.

With prices as cheap as $19 monthly, Liberty Mutual offered the lowest policy we found.

If you want to know exactly how much you can expect to pay for your Terrain, just enter your ZIP code below and get several free quotes in minutes.

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GMC Terrain Insurance FAQs

Is a GMC Terrain expensive to insure?

Compared to the national average of all vehicles, rates come in on the cheaper end of the spectrum. Liability insurance runs an average of $82 per month, while full coverage will cost you around $143.

How can I get the best price on car insurance for my GMC Terrain?

The only way to make sure you're getting the cheapest price on car insurance is to check prices regularly and compare quotes from quite a few companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from many carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my GMC Terrain affect my insurance prices?

Have you heard the old adage that red cars cost more to insure before? Well, that's actually not the case. There are an array of factors insurance companies think about when they decide how much to charge for a policy, but your Terrain's color is not used to make that determination.

Do I need to have insurance before I buy a GMC Terrain?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your insurance company know ahead of time.

What car insurance discounts can I get for my GMC Terrain?

There are a variety of discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the GMC Terrain you drive, but if your Terrain has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to know for sure is to contact your insurance carrier and ask about their list of discounts, since they differ quite a bit from carrier to carrier.

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