GMC Terrain Insurance Cost for 2025: Insights Into Savings

We looked at average insurance cost from the SLE 2WD trim level to the more expensive Denali AWD model to look at how insurance cost for the GMC Terrain sizes up to the competition.

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How much does GMC Terrain insurance cost?

Ranked 18th out of 47 vehicles in the 2024 small SUV class, GMC Terrain insurance rates average $2,096 per year, or around $175 monthly. With the average small SUV costing $2,154 a year to insure, the Terrain costs an average of $58 less per year.

The following infographic illustrates how average Terrain car insurance rates vary based on the age of the driver and different policy deductibles.

Prices range from the lowest cost of $1,468 per year for a 60-year-old driver with $1,000 physical damage deductibles to the highest policy cost (excluding teenager drivers) of $4,824 annually for a driver age 20 with low policy deductibles.

Average 2024 GMC Terrain car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 GMC Terrain car insurance premiums for different driver ages and policy deductibles. Updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on a 2024 model year GMC Terrain. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 GMC Terrain Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,508$292
$500$4,148$346
$250$4,824$402
30-Year-Old$1,000$1,872$156
$500$2,238$187
$250$2,614$218
40-Year-Old$1,000$1,760$147
$500$2,096$175
$250$2,444$204
50-Year-Old$1,000$1,570$131
$500$1,862$155
$250$2,162$180
60-Year-Old$1,000$1,468$122
$500$1,738$145
$250$2,018$168

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 GMC Terrain. Updated June 27, 2025

What can you learn from this data? Basically two things.

First, driver age is one of the biggest factors that impact the rate you pay. As you get older, you generally get smarter behind the wheel. This results in fewer accidents and claims so car insurance rates trend downward.

Second, the deductible you set for the comprehensive and collision coverages on your policy also affect rates considerably.

If your goal is to have the cheapest rate possible, then a high deductible is what you want (as long as you have enough set aside to cover it if you have a claim).

If the least out-of-pocket expense at claim time is what you want, then a low deductible is a better choice. Just beware that a lower deductible will cost you more each year.

What is the cheapest model of Terrain to insure?

The cheapest trim level of GMC Terrain to insure is the SLE 2WD at around $1,980 per year, or about $165 per month. The second cheapest model is the SLE AWD at $2,024 per year, and the third cheapest trim to insure is the SLT 2WD also at $2,084 per year.

The highest cost trim levels of GMC Terrain to insure are the Denali AWD and the AT4 AWD trims, both costing around $2,216 per year. Those models will cost an extra $236 per year over the cheapest SLE 2WD model.

The rate table below shows average annual, semi-annual, and monthly insurance rates for the different trim levels available for the 2024 Terrain.

2024 GMC Terrain Insurance Rates by Trim Level
2024 GMC Terrain Trim Level Annual Premium Cost Per Month
SLE 2WD$1,980$165
SLE AWD$2,024$169
SLT 2WD$2,084$174
SLT AWD$2,120$177
AT4 AWD$2,152$179
Denali AWD$2,216$185

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. Updated June 27, 2025

Insurance cost by trim level for a 2024 GMC Terrain ranging from the SLE 2WD model at $1,980 per year to the Denali AWD model at $2,216
Insurance cost by trim level for a 2024 GMC Terrain ranging from the SLE 2WD model at $1,980 per year to the Denali AWD model at $2,216

Is a GMC Terrain expensive to insure?

The GMC Terrain ranks 18th out of 47 total comparison vehicles in the 2024 small SUV segment. The Terrain costs an average of $2,096 per year to insure and the category average cost is $2,154 per year, a difference of $58 per year.

When car insurance rates are compared to the best-selling models in the small SUV category, the GMC Terrain costs $66 less per year than the Toyota RAV4, $100 more than the Honda CR-V, $62 less than the Chevrolet Equinox, and $10 less than the Nissan Rogue.

The chart below shows how average Terrain auto insurance cost compares to the top 10 selling small SUVs in America. In addition, we included a table following the chart that ranks insurance affordability for the entire 2024 compact SUV and crossover class.

Average 2024 GMC Terrain car insurance premium compared to other small SUV models.
Figure 2: Average 2024 GMC Terrain car insurance premium compared to other small SUV models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year GMC Terrain. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all GMC Terrain trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

GMC Terrain Insurance Cost Compared to All Small SUVs
Rank Make and Model Annual Premium Difference
1Subaru Crosstrek$1,730-$366
2Chevrolet Trailblazer$1,760-$336
3Kia Soul$1,826-$270
4Nissan Kicks$1,844-$252
5Buick Envision$1,878-$218
6Toyota Corolla Cross$1,888-$208
7Hyundai Venue$1,902-$194
8Mazda CX-5$1,910-$186
9Ford Bronco Sport$1,918-$178
10Volkswagen Tiguan$1,938-$158
11Buick Encore$1,988-$108
12Honda CR-V$1,996-$100
13Volkswagen Taos$2,008-$88
14Kia Niro$2,014-$82
15Honda HR-V$2,040-$56
16Subaru Forester$2,084-$12
17Kia Seltos$2,094-$2
18GMC Terrain$2,096--
19Nissan Rogue$2,106$10
20Hyundai Kona$2,110$14
21Mazda CX-30$2,114$18
22Volkswagen ID4$2,124$28
23Ford Escape$2,138$42
24Chevrolet Equinox$2,158$62
25Toyota RAV4$2,162$66
26Mazda MX-30$2,172$76
27Hyundai Tucson$2,176$80
28Chevrolet Trax$2,210$114
29Mini Cooper Clubman$2,220$124
30Mini Cooper$2,226$130
31Mitsubishi Eclipse Cross$2,246$150
32Jeep Renegade$2,252$156
33Mitsubishi Outlander$2,280$184
34Kia Sportage$2,294$198
35Hyundai Ioniq 5$2,302$206
36Nissan Ariya$2,304$208
37Fiat 500X$2,310$214
38Mini Cooper Countryman$2,318$222
39Subaru Solterra$2,320$224
40Mazda CX-50$2,326$230
41Toyota bz4X$2,330$234
42Mitsubishi Mirage$2,342$246
43Kia EV6$2,416$320
44Dodge Hornet$2,492$396
45Jeep Compass$2,536$440
46Hyundai Nexo$2,584$488
47Ford Mustang Mach-E$2,742$646

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 vehicle from the 2024 model year. Updated June 26, 2025

How much is insurance on a used Terrain?

Opting for a 2013 GMC Terrain in place of a more expensive 2024 version will save as much as $592 on a yearly basis. In general, older models cost less to insure due to having lower replacement cost value.

The next table illustrates average car insurance cost data for a GMC Terrain for various driver age groups for the 2013 to 2024 model years. Costs range from a minimum of $1,260 for a 60-year-old driver rated on a 2015 GMC Terrain to the highest rate of $4,148 for a 20-year-old with a 2019 model.

GMC Terrain Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 GMC Terrain$4,148$2,096$1,738
2023 GMC Terrain$4,010$2,024$1,680
2022 GMC Terrain$3,912$1,966$1,634
2021 GMC Terrain$3,736$1,872$1,556
2020 GMC Terrain$3,646$1,826$1,518
2019 GMC Terrain$3,780$1,882$1,566
2018 GMC Terrain$3,620$1,804$1,506
2017 GMC Terrain$3,454$1,722$1,438
2016 GMC Terrain$2,938$1,484$1,240
2015 GMC Terrain$2,882$1,438$1,204
2014 GMC Terrain$2,864$1,436$1,204
2013 GMC Terrain$3,012$1,504$1,260

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 GMC Terrain trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2013 to 2024 GMC Terrain models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2024 GMC Terrain models for drivers age 20, 40 and 60

Ultimately, as the years go by, it will probably make good financial sense to delete coverage for physical damage from an insurance policy. As a GMC Terrain loses value as it ages, the costs required to maintain physical damage insurance are more than the benefits.

Removing physical damage insurance coverage on an older GMC Terrain may save $842 a year, depending on the prior deductible level and the driver age.

Average rates by U.S. city and state

GMC Terrain insurance can have very different prices depending on where you live. Even within a single state or city, rates can vary substantially.

The chart below shows average insurance rates for a 2024 GMC Terrain for thirty of the largest cities in the U.S.

Average car insurance rates for a 2024 GMC Terrain in larger U.S. cities.
Figure 3: Average car insurance rates for a 2024 GMC Terrain in larger U.S. cities. Rates updated on June 27, 2025.

Data Methodology: Average car insurance rates for a 2024 GMC Terrain assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

GMC Terrain Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$3,402$284
Philadelphia, PA$3,096$258
Las Vegas, NV$3,090$258
Los Angeles, CA$3,082$257
San Francisco, CA$2,756$230
Kansas City, MO$2,526$211
Oklahoma City, OK$2,526$211
Denver, CO$2,488$207
Memphis, TN$2,488$207
Atlanta, GA$2,464$205
San Jose, CA$2,412$201
Phoenix, AZ$2,368$197
Portland, OR$2,346$196
San Diego, CA$2,336$195
Boston, MA$2,334$195
Chicago, IL$2,282$190
Dallas, TX$2,256$188
Houston, TX$2,246$187
Seattle, WA$2,242$187
Jacksonville, FL$2,198$183
Nashville, TN$2,182$182
Milwaukee, WI$2,174$181
Albuquerque, NM$2,148$179
San Antonio, TX$2,100$175
Omaha, NE$2,058$172
Fort Worth, TX$2,052$171
Austin, TX$2,036$170
Indianapolis, IN$1,912$159
Columbus, OH$1,812$151
Charlotte, NC$1,760$147

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 GMC Terrain and all Zip Codes in each city. Updated June 27, 2025

States like Idaho ($1,768), Iowa ($1,698), and Maine ($1,594) have better insurance rates, while states like Louisiana ($2,380), Michigan ($2,558), and Florida ($2,470) have higher insurance rates.

Most of the other states do not tend to be extremely cheap or expensive, with states like Maryland, New Mexico, and West Virginia included in this group with average GMC Terrain insurance rates of $2,102, $1,938, and $2,046 per year, respectively.

The table below shows average annual, 6-month, and monthly insurance rates for all 50 states.

2024 GMC Terrain Average Insurance Cost by State
U.S. State Annual Premium Cost Per Month
Alabama$2,060$172
Alaska$1,836$153
Arizona$2,084$174
Arkansas$2,290$191
California$2,540$212
Colorado$2,326$194
Connecticut$2,392$199
Delaware$2,432$203
Florida$2,470$206
Georgia$2,250$188
Hawaii$1,718$143
Idaho$1,768$147
Illinois$2,022$169
Indiana$1,822$152
Iowa$1,698$142
Kansas$2,192$183
Kentucky$2,326$194
Louisiana$2,380$198
Maine$1,594$133
Maryland$2,102$175
Massachusetts$2,354$196
Michigan$2,558$213
Minnesota$1,994$166
Mississippi$2,178$182
Missouri$2,416$201
Montana$2,086$174
Nebraska$1,958$163
Nevada$2,520$210
New Hampshire$1,698$142
New Jersey$2,544$212
New Mexico$1,938$162
New York$2,462$205
North Carolina$1,630$136
North Dakota$1,948$162
Ohio$1,742$145
Oklahoma$2,374$198
Oregon$2,112$176
Pennsylvania$2,152$179
Rhode Island$2,590$216
South Carolina$1,964$164
South Dakota$2,258$188
Tennessee$2,138$178
Texas$2,102$175
Utah$2,022$169
Vermont$1,790$149
Virginia$1,692$141
Washington$2,066$172
West Virginia$2,046$171
Wisconsin$1,772$148
Wyoming$2,044$170

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Average annual premium and cost per month to insure a 2024 GMC Terrain in all 50 U.S. States
Average annual premium and cost per month to insure a 2024 GMC Terrain in all 50 U.S. States

Additional facts and figures related to insuring a Terrain include:

  • Younger drivers pay higher rates. The difference in 2024 GMC Terrain insurance cost between a 40-year-old driver ($2,096 per year) and a 20-year-old driver ($4,148 per year) is $2,052, or a savings of 65.7%.
  • GMC Terrain insurance for teen drivers is expensive. Average rates for full coverage Terrain insurance costs $7,292 per year for a 16-year-old driver, $7,062 per year for a 17-year-old driver, and $6,333 per year for an 18-year-old driver.
  • Lower policy cost by raising deductibles. Raising deductibles from $500 to $1,000 could save around $336 per year for a 40-year-old driver and $640 per year for a 20-year-old driver.
  • Choosing a low deductible will increase insurance policy costs. Decreasing deductibles from $500 to $250 could cost an additional $348 per year for a 40-year-old driver and $676 per year for a 20-year-old driver.
  • High-risk drivers pay a lot more for insurance. For a 30-year-old driver, having too many accidents or violations could increase the cost by $2,512 or more per year.
  • Policyholder gender affects insurance cost. For a 2024 GMC Terrain, a 20-year-old male driver pays an average rate of $4,148 per year, while a 20-year-old woman pays an estimated $3,000, a difference of $1,148 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,862 and the rate for females is $1,816, a difference of only $46.