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Lindsay Frankel is a personal finance and insurance writer who’s been writing for Compare.com since 2023. Her work has been featured in publications such as Investopedia, LendingTree, The Balance, SFGate, Bankrate, and FinanceBuzz.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Insuring a GMC Terrain costs an average of $91 per month for liability coverage and $168 for full coverage. Both figures are quite a bit less than the national average premiums for all cars.
But your actual premium will depend on many factors, including your age, gender, and driving record. Terrain drivers can save money on car insurance by choosing the right company. For example, Travelers, Nationwide, and Root tend to have great rates for GMC Terrain insurance.
Read on for the cheapest auto insurance companies for Terrains, and the best picks for different types of drivers.
Travelers is the cheapest car insurance company for the GMC Terrain, with an average monthly premium of $69.
You could get discounts for certain safety features, depending on your GMC Terrain model year and trim level.
Average GMC Terrain premiums vary by state, ranging from $70 to $295 per month.
What you’ll pay to insure a GMC Terrain partially depends on the policy type you pick.
State-minimum liability coverage is the most affordable option and typically covers other people’s medical bills and repairs after you cause a crash.[1] But it won’t pay for your vehicle’s damage or your injuries.
Full-coverage insurance offers much more protection. It includes collision and comprehensive coverage, which help pay for repairs to your Terrain after an at-fault accident, non-collision damage, or theft.
Here’s a look at how the average monthly premium for liability-only insurance compares to the average full-coverage premium for the GMC Terrain, as well as how each stack up to the industry average.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| GMC Terrain | $91 | $168 | $130 |
| All vehicles | $107 | $197 | $152 |
The average monthly premium for liability coverage is just $91 for the GMC Terrain, while full coverage runs $168, according to Compare.com data.
But the policy type you choose is just one factor that influences car insurance rates for the Terrain. The company you pick also affects your premium — along with your age, location, and driving record.
Comparing quotes could save you $867.†
Average rates aside, GMC drivers can find ways to save money on car insurance. Some auto insurers offer cheaper rates than others, so choosing the right company is key.
The five companies below offer the most affordable average rates for the GMC Terrain, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Travelers | $69 |
| Mile Auto | $70 |
| Nationwide | $83 |
| Clearcover | $84 |
| Root | $87 |
Travelers offers the cheapest car insurance rates for the GMC Terrain, with an average insurance premium of $69 per month.
While the companies above offer the cheapest rates, on average, they may not offer the lowest premiums for everyone. Comparing quotes is the best way to ensure you get a good price based on your driver profile.
We’ll cover the best car insurance companies for different types of GMC Terrain drivers next.
The best car insurance company for you will depend on your coverage needs, budget, and other factors. But a few companies stand out from the pack. We chose the following insurance companies for the GMC Terrain based on cost, coverage, customer satisfaction, financial strength, discount opportunities, and other features.
Here are our top picks for different types of GMC drivers.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers is among the cheapest insurers for the GMC Terrain, based on our research. The company also offers several coverage add-ons, including gap insurance and new car replacement coverage, which may appeal to new GMC Terrain owners.
Travelers also offers a new car discount, a multi-policy discount, and other savings opportunities. But the company ranks poorly in multiple J.D. Power studies.
Cheap premiums for GMC Terrains
AM Best financial strength rating of A++ (Superior)
Accident forgiveness available
Poor claims satisfaction rating from J.D. Power[2]
Mixed customer service reviews
Mediocre Android app reviews
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $174/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide’s usage-based program for safe drivers, SmartRide, wins high ratings from J.D. Power. The program provides a discount of up to 40% off your premium for safe driving. The company also offers a safe driver discount for drivers who’ve been violation-free for five years, as well as a few unique coverage add-ons like accident forgiveness and gap coverage.
Nationwide is also one of the top-rated companies for claims satisfaction, according to J.D. Power. The company has an A (Excellent) financial strength rating from AM Best.
Top-rated usage-based program
Rated No. 4 by J.D. Power in claims satisfaction
Safe driver discount
Fewer discounts than some competitors
Mixed customer service reviews
Not available in all U.S. states
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is highly rated for claims satisfaction by J.D. Power. It received above-average ratings across regions in a recent study that more broadly measures customer satisfaction. The company also has fewer customer complaints with the National Association of Insurance Commissioners than expected based on its size.
Filing a claim with State Farm is easy with the company’s award-winning mobile app. State Farm also offers many discount opportunities, including two usage-based programs. The company offers a few basic add-ons like roadside assistance, but you can’t get gap coverage or other specialty coverages from State Farm.
Strong customer satisfaction ratings
AM Best financial strength rating of A++ (Superior)
Dedicated insurance agents
Poor Better Business Bureau rating
Limited optional coverages
Other companies may be cheaper for the Terrain
Older GMC Terrains tend to have lower values and repair costs, so they’re typically less expensive to insure than newer models of the SUV.[3] The table below shows the average monthly premium for each GMC Terrain model year dating back to 2014, according to Compare.com data.
Terrain Model Year | Average Monthly Premium |
|---|---|
| 2025 | $176 |
| 2024 | $160 |
| 2023 | $154 |
| 2022 | $151 |
| 2021 | $148 |
| 2020 | $143 |
| 2019 | $145 |
| 2018 | $133 |
| 2017 | $127 |
| 2016 | $127 |
| 2015 | $121 |
| 2014 | $116 |
Even an old GMC Terrain may be expensive to insure in some locations, as premiums also vary by state and ZIP code.
Compare rates from dozens of top companies in minutes.
Local features — like weather trends, theft and accident rates, medical care costs, and wages for mechanics and attorneys — all affect the cost of car insurance in an area. Average premiums are higher in busy urban areas with a high cost of living but tend to be cheaper in areas with less traffic and fewer cars.
You can find your state’s average monthly premium for the GMC Terrain in the map below.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $76 |
| Arizona | $102 |
| Arkansas | $147 |
| California | $147 |
| Colorado | $120 |
| Connecticut | $233 |
| Delaware | $142 |
| Florida | $150 |
| Georgia | $152 |
| Idaho | $77 |
| Illinois | $96 |
| Indiana | $83 |
| Iowa | $70 |
| Kansas | $94 |
| Kentucky | $150 |
| Louisiana | $138 |
| Maine | $91 |
| Maryland | $211 |
| Massachusetts | $115 |
| Michigan | $180 |
| Minnesota | $115 |
| Mississippi | $115 |
| Missouri | $112 |
| Montana | $93 |
| Nebraska | $108 |
| Nevada | $183 |
| New Hampshire | $70 |
| New Jersey | $121 |
| New Mexico | $89 |
| New York | $295 |
| North Carolina | $57 |
| North Dakota | $89 |
| Ohio | $78 |
| Oklahoma | $99 |
| Oregon | $99 |
| Pennsylvania | $100 |
| Rhode Island | $88 |
| South Carolina | $168 |
| South Dakota | $74 |
| Tennessee | $86 |
| Texas | $136 |
| Utah | $112 |
| Vermont | $83 |
| Virginia | $111 |
| Washington | $86 |
| District of Columbia | $174 |
| West Virginia | $89 |
| Wisconsin | $78 |
| Wyoming | $74 |
Age has a significant effect on how much you pay for car insurance. Drivers under 25 pay higher premiums than more mature drivers who have more driving experience. Teen drivers pay especially high rates because their crash risk is higher than any other age group.[4]
The table below shows how average monthly premiums for the GMC Terrain decrease with driver age, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $244 |
| Adults | $119 |
| Seniors | $100 |
Teens pay an average monthly premium of $244 for GMC Terrain insurance — more than double the average premium adults pay. Seniors pay an average of just $100 per month to insure a GMC Terrain.
Car insurance companies evaluate your driving record to predict how likely you are to file a claim. If you have major violations like speeding tickets or a driving under the influence (DUI) conviction, you’ll pay more for car insurance than drivers with a clean record.
The table below shows the average price drivers with different traffic violations pay for car insurance, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $130 |
| Speeding ticket | $180 |
| At-fault accident | $188 |
| DUI | $214 |
Rates increase substantially after a driving infraction, even a speeding ticket. But DUIs have the greatest effect on premiums, causing rates for the Terrain to increase by an average of 65% compared to the average cost for drivers with a clean record.
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The safety and security features your trim level includes, along with the safety record of your GMC Terrain model year, may affect your monthly premium. Here’s an overview of some of the options that can affect your rates:
Advanced theft deterrent features: If your GMC Terrain has the Advanced Theft Deterrent package, which includes an automatic steering-wheel lock and glass breakage sensors, you could get an anti-theft discount on your policy with some companies.
Safety features: The 2026 GMC Terrain comes standard with more than a dozen safety features, including an airbag system, lane keep assist, buckle to drive, and enhanced automatic emergency braking. Some insurers may offer discounts for these.
Insurance losses and safety ratings: Claims for the four-wheel drive GMC Terrain have cost insurance companies less than other vehicles in recent years, according to the Insurance Institute for Highway Safety (IIHS).[5] The all-wheel drive 2024 GMC Terrain also received a 5-star crash test rating from the National Highway Traffic Safety Administration. These strong safety records may result in a lower car insurance rate.
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Overall, costs to insure a GMC Terrain are relatively modest. But you may be able to trim your premium even more by taking a few simple steps.
Ask about vehicle equipment discounts. Inform your insurance agent about the safety and security features of your GMC Terrain to find out if you’re eligible for discounts.
Enroll in usage-based insurance. Many major auto insurers offer usage-based programs that track your driving behavior using a mobile app or telematics device. If you avoid risky driving behavior like hard braking and speeding, you might earn a discount on your premium.[6] But with some programs, high-risk driving can raise your rates.
Raise your deductible. The higher your deductible, the lower your premium. Just be aware that choosing a high deductible leaves you responsible for that amount if you need to repair your car after filing a collision or comprehensive claim.[7]
Take advantage of other discounts. Many insurers offer a variety of discount opportunities, including payment discounts, driver education discounts, multi-policy and multi-vehicle discounts, and student discounts.
Compare car insurance quotes. Every insurer calculates premiums differently, and some companies may offer you cheaper rates than others. To ensure you get the best price, compare car insurance quotes from a handful of companies. You can use a car insurance comparison site to save time.
See personalized quotes from America’s cheapest insurers.
If you still have questions on how to find the best GMC Terrain insurance that doesn’t cost a fortune, we have answers.
Not really. GMC Terrains are slightly less expensive to insure than the average vehicle. The average monthly premium for a Terrain is $130 across policy types, while the national average premium for all vehicles is $152 per month, according to Compare.com data.
Travelers offers the cheapest average premium for the GMC Terrain, at just $69 per month, according to Compare.com data. But Travelers may not be the cheapest insurance company for everyone.
The average monthly premium for a 2025 GMC Terrain is $176, according to Compare.com data.
The cheapest GMC vehicle to insure is the Acadia, with an average premium of $129 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Lindsay Frankel is a personal finance and insurance writer who’s been writing for Compare.com since 2023. Her work has been featured in publications such as Investopedia, LendingTree, The Balance, SFGate, Bankrate, and FinanceBuzz.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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