2016 GMC Terrain Car Insurance Calculator

Understand how life choices impact the insurance cost for a 2016 GMC Terrain. Experiment with options like vehicle usage, gender of the driver, and marital status to see how rates are affected. See instantly if the choice you made raises or lower rates and why.

The average estimated car insurance premium for a 2016 GMC Terrain is $1,484 per year, or about $124 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,484

Cost Per Month

$124

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

GMC Terrain Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 GMC Terrain.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,484
Average Rate
Your Rate
$1,484

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 GMC Terrain trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 GMC Terrain is $1,484.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 GMC Terrain vs. the Small SUV Segment

The table below compares insurance rates for the 2016 GMC Terrain against all other models in the small SUV segment. The GMC Terrain is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the GMC Terrain, with green values denoting cheaper rates and red values indicating more expensive rates compared to the GMC Terrain.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 GMC Terrain Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Crosstrek$1,308-$176
2Honda CR-V$1,350-$134
3Buick Encore$1,376-$108
4Jeep Compass$1,386-$98
5Nissan Juke$1,388-$96
6Mazda CX-3$1,400-$84
7Mazda CX-5$1,434-$50
8Honda HR-V$1,442-$42
9Mini Cooper Countryman$1,452-$32
10Chevrolet Equinox$1,478-$6
11GMC Terrain$1,484--
12Chevrolet Trax$1,504$20
2016 Small SUV Average$1,521$37
13Nissan Rogue$1,522$38
14Mini Cooper$1,528$44
15Mini Cooper Clubman$1,530$46
16Kia Sportage$1,540$56
17Subaru Forester$1,542$58
18Jeep Renegade$1,548$64
19Hyundai Tucson$1,558$74
20Ford Escape$1,588$104
21Toyota RAV4$1,598$114
22Kia Soul$1,602$118
23Buick Envision$1,616$132
24Ford C-Max$1,620$136
25Mitsubishi Outlander$1,634$150
26Mini Cooper Paceman$1,698$214
27Jeep Patriot$1,720$236
28Volkswagen Tiguan$1,738$254

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 Terrain Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 GMC Terrain.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 GMC Terrain Insurance Rates by Trim Level
2016 GMC Terrain Trim Level Annual Premium Cost Per Month
SL 2WD$1,326$111
SLE 2WD$1,422$119
SLE AWD$1,470$123
SLT 2WD$1,518$127
SLT AWD$1,518$127
Denali 2WD$1,566$131
Denali AWD$1,566$131

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 GMC Terrain for different driver ages.

2016 GMC Terrain Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,298$442
17$5,086$424
18$4,471$373
19$4,115$343
20$3,142$262
21$2,999$250
22$2,679$223
23$2,243$187
24$2,107$176
25$1,712$143
30$1,572$131
35$1,528$127
40$1,484$124
45$1,396$116
50$1,328$111
55$1,238$103
60$1,240$103
65$1,314$110
70$1,430$119
75$1,698$142
80$2,080$173

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all GMC Terrain trim levels.