- Drivers can expect to pay an average of $1,566 per year, $783 for a 6-month policy, or $131 per month for full coverage insurance on a GMC Terrain, depending on the trim level.
- The Terrain SLE 2WD trim level is the cheapest to insure at around $1,492 per year. The most expensive trim is the Denali AWD at $1,632 per year.
- When compared to the entire small SUV segment, the Terrain ranks in the lower half at 19th out of 47 total comparison vehicles.
How much does GMC Terrain insurance cost?
Ranked 19th out of 47 vehicles in the 2023 small SUV class, GMC Terrain insurance rates average $1,566 per year, or around $131 monthly. With the average small SUV costing $1,606 a year to insure, the Terrain costs an average of $40 less per year.
The following chart 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 $1,180 per year for a 60-year-old driver with $1,000 physical damage deductibles to the highest policy cost (excluding teenager drivers) of $3,576 annually for a driver age 20 with low policy deductibles.
To give you a better sense of how much variability there is, think about the fact that buying a liability-only policy in the most affordable parts of Virginia or Indiana may be as low as $249 a year, while a teen driver with a poor driving record in urban Detroit, Michigan, may be required to pay as much as $17,428 a year for a policy with full coverage.
What is the cheapest model of Terrain to insure?
The cheapest trim level of GMC Terrain to insure is the SLE 2WD at around $1,492 per year, or about $124 per month. The second cheapest model is the SLE AWD at $1,524 per year, and the third cheapest trim to insure is the SLT 2WD also at $1,566 per year.
The highest cost trim levels of GMC Terrain to insure are the Denali AWD and the AT4 AWD trims, both costing around $1,632 per year. Those models will cost an extra $140 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 2023 Terrain.
| GMC Terrain Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| SLE 2WD | $1,492 | $746 | $124 |
| SLE AWD | $1,524 | $762 | $127 |
| SLT 2WD | $1,566 | $783 | $131 |
| SLT AWD | $1,590 | $795 | $133 |
| AT4 AWD | $1,600 | $800 | $133 |
| Denali AWD | $1,632 | $816 | $136 |
Is a GMC Terrain expensive to insure?
The GMC Terrain ranks 19th out of 47 total comparison vehicles in the 2023 small SUV segment. The Terrain costs an average of $1,566 per year to insure and the category average cost is $1,606 per year, a difference of $40 per year.
When car insurance rates are compared to the best-selling models in the small SUV category, the GMC Terrain costs $68 less per year than the Toyota RAV4, $70 more than the Honda CR-V, $22 less than the Chevrolet Equinox, and $56 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 2023 compact SUV and crossover class.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $1,334 | -$232 |
| 2 | Subaru Crosstrek | $1,346 | -$220 |
| 3 | Nissan Kicks | $1,354 | -$212 |
| 4 | Nissan Rogue Sport | $1,378 | -$188 |
| 5 | Mazda CX-5 | $1,386 | -$180 |
| 6 | Buick Encore | $1,406 | -$160 |
| 7 | Buick Envision | $1,410 | -$156 |
| 8 | Kia Seltos | $1,430 | -$136 |
| 9 | Hyundai Venue | $1,440 | -$126 |
| 10 | Honda HR-V | $1,464 | -$102 |
| 11 | Hyundai Kona | $1,480 | -$86 |
| 12 | Subaru Forester | $1,486 | -$80 |
| 13 | Honda CR-V | $1,496 | -$70 |
| 14 | Mazda CX-30 | $1,498 | -$68 |
| 15 | Chevrolet Trax | $1,514 | -$52 |
| 16 | Volkswagen Tiguan | $1,532 | -$34 |
| 17 | Ford Bronco Sport | $1,536 | -$30 |
| 18 | Fiat 500X | $1,564 | -$2 |
| 19 | GMC Terrain | $1,566 | -- |
| 20 | Kia Soul | $1,568 | $2 |
| 21 | Mitsubishi Eclipse Cross | $1,572 | $6 |
| 22 | Chevrolet Equinox | $1,588 | $22 |
| 23 | Toyota Corolla Cross | $1,592 | $26 |
| 24 | Volkswagen Taos | $1,600 | $34 |
| 25 | Mazda CX-50 | $1,610 | $44 |
| 26 | Hyundai Tucson | $1,614 | $48 |
| 27 | Ford Escape | $1,616 | $50 |
| 28 | Nissan Rogue | $1,622 | $56 |
| 29 | Toyota RAV4 | $1,634 | $68 |
| 30 | Mazda MX-30 | $1,636 | $70 |
| 31 | Kia Niro | $1,638 | $72 |
| 32 | Mini Cooper | $1,648 | $82 |
| 33 | Jeep Compass | $1,652 | $86 |
| 34 | Mini Cooper Clubman | $1,674 | $108 |
| 35 | Jeep Renegade | $1,698 | $132 |
| 36 | Chevrolet Bolt | $1,710 | $144 |
| 37 | Toyota bz4X | $1,716 | $150 |
| 38 | Kia Sportage | $1,760 | $194 |
| 39 | Hyundai Ioniq 5 | $1,764 | $198 |
| 40 | Mini Cooper Countryman | $1,812 | $246 |
| 41 | Mitsubishi Mirage | $1,818 | $252 |
| 42 | Mitsubishi Outlander | $1,820 | $254 |
| 43 | Volkswagen ID4 | $1,832 | $266 |
| 44 | Kia EV6 | $1,870 | $304 |
| 45 | Dodge Hornet | $1,872 | $306 |
| 46 | Hyundai Nexo | $1,938 | $372 |
| 47 | Ford Mustang Mach-E | $1,996 | $430 |
How much is insurance on a used Terrain?
Opting for a 2013 GMC Terrain in place of a more expensive 2023 version will save as much as $322 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 2023 model years. Costs range from a minimum of $1,112 for a 60-year-old driver rated on a 2015 GMC Terrain to the highest rate of $3,080 for a 20-year-old with a 2019 model.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2023 GMC Terrain | $3,080 | $1,566 | $1,398 |
| 2022 GMC Terrain | $3,000 | $1,524 | $1,360 |
| 2021 GMC Terrain | $2,874 | $1,456 | $1,302 |
| 2020 GMC Terrain | $2,840 | $1,434 | $1,286 |
| 2019 GMC Terrain | $2,962 | $1,492 | $1,332 |
| 2018 GMC Terrain | $2,894 | $1,456 | $1,302 |
| 2017 GMC Terrain | $2,752 | $1,386 | $1,240 |
| 2016 GMC Terrain | $2,412 | $1,224 | $1,096 |
| 2015 GMC Terrain | $2,362 | $1,192 | $1,070 |
| 2014 GMC Terrain | $2,348 | $1,186 | $1,064 |
| 2013 GMC Terrain | $2,470 | $1,244 | $1,112 |
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 $656 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 2023 GMC Terrain for thirty of the largest cities in the U.S.
States like Idaho ($1,118), Iowa ($1,048), and Maine ($944) have better insurance rates, while states like Louisiana ($1,864), Michigan ($2,140), and Florida ($1,952) 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 $1,456, $1,290, and $1,398 per year, respectively.
The table below shows average annual, 6-month, and monthly insurance rates for all 50 states.
| U.S. State | Annual Cost | Six-month Cost | Monthly Cost |
|---|---|---|---|
| Alabama | $1,410 | $705 | $118 |
| Alaska | $1,186 | $593 | $99 |
| Arizona | $1,438 | $719 | $120 |
| Arkansas | $1,640 | $820 | $137 |
| California | $1,896 | $948 | $158 |
| Colorado | $1,680 | $840 | $140 |
| Connecticut | $1,746 | $873 | $146 |
| Delaware | $1,784 | $892 | $149 |
| Florida | $1,952 | $976 | $163 |
| Georgia | $1,602 | $801 | $134 |
| Hawaii | $1,070 | $535 | $89 |
| Idaho | $1,118 | $559 | $93 |
| Illinois | $1,372 | $686 | $114 |
| Indiana | $1,170 | $585 | $98 |
| Iowa | $1,048 | $524 | $87 |
| Kansas | $1,544 | $772 | $129 |
| Kentucky | $1,680 | $840 | $140 |
| Louisiana | $1,864 | $932 | $155 |
| Maine | $944 | $472 | $79 |
| Maryland | $1,456 | $728 | $121 |
| Massachusetts | $1,706 | $853 | $142 |
| Michigan | $2,140 | $1,070 | $178 |
| Minnesota | $1,344 | $672 | $112 |
| Mississippi | $1,528 | $764 | $127 |
| Missouri | $1,770 | $885 | $148 |
| Montana | $1,438 | $719 | $120 |
| Nebraska | $1,308 | $654 | $109 |
| Nevada | $1,874 | $937 | $156 |
| New Hampshire | $1,048 | $524 | $87 |
| New Jersey | $1,898 | $949 | $158 |
| New Mexico | $1,290 | $645 | $108 |
| New York | $1,818 | $909 | $152 |
| North Carolina | $980 | $490 | $82 |
| North Dakota | $1,298 | $649 | $108 |
| Ohio | $1,092 | $546 | $91 |
| Oklahoma | $1,728 | $864 | $144 |
| Oregon | $1,464 | $732 | $122 |
| Pennsylvania | $1,502 | $751 | $125 |
| Rhode Island | $1,942 | $971 | $162 |
| South Carolina | $1,314 | $657 | $110 |
| South Dakota | $1,610 | $805 | $134 |
| Tennessee | $1,490 | $745 | $124 |
| Texas | $1,454 | $727 | $121 |
| Utah | $1,370 | $685 | $114 |
| Vermont | $1,138 | $569 | $95 |
| Virginia | $1,040 | $520 | $87 |
| Washington | $1,416 | $708 | $118 |
| West Virginia | $1,398 | $699 | $117 |
| Wisconsin | $1,120 | $560 | $93 |
| Wyoming | $1,394 | $697 | $116 |
Additional facts and figures related to insuring a Terrain include:
- Younger drivers pay higher rates. The difference in 2023 GMC Terrain insurance cost between a 40-year-old driver ($1,566 per year) and a 20-year-old driver ($3,080 per year) is $1,514, or a savings of 65.2%.
- GMC Terrain insurance for teen drivers is expensive. Average rates for full coverage Terrain insurance costs $5,496 per year for a 16-year-old driver, $5,140 per year for a 17-year-old driver, and $4,806 per year for an 18-year-old driver.
- Lower policy cost by raising deductibles. Raising deductibles from $500 to $1,000 could save around $246 per year for a 40-year-old driver and $474 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 $258 per year for a 40-year-old driver and $496 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 $1,858 or more per year.
- Policyholder gender affects insurance cost. For a 2023 GMC Terrain, a 20-year-old male driver pays an average rate of $3,080 per year, while a 20-year-old woman pays an estimated $2,300, a difference of $780 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,426 and the rate for females is $1,398, a difference of only $28.
