GMC Terrain Insurance Cost: 2023 Rates & Rankings

We looked at average insurance cost from the SLE 2WD trim level to the more expensive Denali AWD model to look at how insurance on the Terrain sizes up to the entire 2023 small SUV segment.

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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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 GMC Terrain with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all GMC Terrain trim levels.Data last updated on March 2, 2023
GMC Terrain Car Insurance Rates
2023 GMC Terrain Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,606$217
$500$3,080$257
$250$3,576$298
30$1,000$1,382$115
$500$1,652$138
$250$1,932$161
40$1,000$1,320$110
$500$1,566$131
$250$1,824$152
50$1,000$1,204$100
$500$1,426$119
$250$1,656$138
60$1,000$1,180$98
$500$1,398$117
$250$1,624$135

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.

2023 GMC Terrain Insurance Cost by Trim Level
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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 GMC Terrain, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 2, 2023
GMC Terrain Insurance Cost by Trim Level

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year GMC Terrain, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all GMC Terrain trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 2, 2023
GMC Terrain vs Top 10 Small SUVs Insurance Cost Comparison
GMC Terrain Insurance Cost Compared to All Small SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Trailblazer$1,334-$232
2Subaru Crosstrek$1,346-$220
3Nissan Kicks$1,354-$212
4Nissan Rogue Sport$1,378-$188
5Mazda CX-5$1,386-$180
6Buick Encore$1,406-$160
7Buick Envision$1,410-$156
8Kia Seltos$1,430-$136
9Hyundai Venue$1,440-$126
10Honda HR-V$1,464-$102
11Hyundai Kona$1,480-$86
12Subaru Forester$1,486-$80
13Honda CR-V$1,496-$70
14Mazda CX-30$1,498-$68
15Chevrolet Trax$1,514-$52
16Volkswagen Tiguan$1,532-$34
17Ford Bronco Sport$1,536-$30
18Fiat 500X$1,564-$2
19GMC Terrain$1,566--
20Kia Soul$1,568$2
21Mitsubishi Eclipse Cross$1,572$6
22Chevrolet Equinox$1,588$22
23Toyota Corolla Cross$1,592$26
24Volkswagen Taos$1,600$34
25Mazda CX-50$1,610$44
26Hyundai Tucson$1,614$48
27Ford Escape$1,616$50
28Nissan Rogue$1,622$56
29Toyota RAV4$1,634$68
30Mazda MX-30$1,636$70
31Kia Niro$1,638$72
32Mini Cooper$1,648$82
33Jeep Compass$1,652$86
34Mini Cooper Clubman$1,674$108
35Jeep Renegade$1,698$132
36Chevrolet Bolt$1,710$144
37Toyota bz4X$1,716$150
38Kia Sportage$1,760$194
39Hyundai Ioniq 5$1,764$198
40Mini Cooper Countryman$1,812$246
41Mitsubishi Mirage$1,818$252
42Mitsubishi Outlander$1,820$254
43Volkswagen ID4$1,832$266
44Kia EV6$1,870$304
45Dodge Hornet$1,872$306
46Hyundai Nexo$1,938$372
47Ford 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.

GMC Terrain Insurance Cost by Model Year
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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 2, 2023
GMC Terrain Insurance Cost by Model Year

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 GMC Terrain, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all GMC Terrain trim levels.Data last updated on March 2, 2023
GMC Terrain Insurance Rates in Large U.S. Cities
GMC Terrain Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,760$230
Philadelphia, PA$2,452$204
Las Vegas, NV$2,446$204
Los Angeles, CA$2,438$203
San Francisco, CA$2,112$176
Kansas City, MO$1,880$157
Oklahoma City, OK$1,880$157
Denver, CO$1,844$154
Memphis, TN$1,844$154
Atlanta, GA$1,818$152
San Jose, CA$1,766$147
Phoenix, AZ$1,722$144
Portland, OR$1,698$142
San Diego, CA$1,690$141
Boston, MA$1,684$140
Jacksonville, FL$1,680$140
Chicago, IL$1,630$136
Dallas, TX$1,608$134
Houston, TX$1,600$133
Seattle, WA$1,594$133
Nashville, TN$1,536$128
Milwaukee, WI$1,528$127
Albuquerque, NM$1,498$125
San Antonio, TX$1,452$121
Omaha, NE$1,410$118
Fort Worth, TX$1,402$117
Austin, TX$1,386$116
Indianapolis, IN$1,262$105
Columbus, OH$1,162$97
Charlotte, NC$1,108$92

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.

GMC Terrain Average Insurance Cost by State for 2023
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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 GMC Terrain, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all GMC Terrain trim levels. Physical damage deductibles are $500 and rates are averaged for all Zip Codes in each state.Data last updated on March 2, 2023
GMC Terrain insurance rates by U.S. state

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.