GMC Terrain Insurance Cost [2022 Rates + Rankings]

How much does GMC Terrain insurance cost? We rank Terrain car insurance rates against all other small SUVs and also break down prices from the base SL 2WD model up to the Denali AWD trim level.

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How much does GMC Terrain insurance cost?

Ranked #20 out of 46 vehicles in the 2022 small SUV class, GMC Terrain insurance rates average $1,404 per year, or around $117 monthly. With the average small SUV costing $1,426 a year to insure, the Terrain costs an average of $22 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 $1,058 per year for a 60-year-old driver with $1,000 physical damage deductibles to the highest policy cost (excluding teenager drivers) of $3,208 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 2022 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 October 30, 2022
GMC Terrain Car Insurance Rates
GMC Terrain Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,336$195
$500$2,760$230
$250$3,208$267
30$1,000$1,240$103
$500$1,482$124
$250$1,732$144
40$1,000$1,184$99
$500$1,404$117
$250$1,634$136
50$1,000$1,080$90
$500$1,280$107
$250$1,484$124
60$1,000$1,058$88
$500$1,254$105
$250$1,456$121

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 $26,268 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 $1,342 per year, or about $112 per month. The second cheapest model is the SLE AWD at $1,352 per year, and the third cheapest trim to insure is the SLT 2WD also at $1,390 per year.

The highest cost trim levels of GMC Terrain to insure are the Denali AWD and the AT4 AWD trims, both costing around $1,464 per year. Those models will cost an extra $122 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 2022 Terrain.

2022 GMC Terrain Insurance Cost by Trim Level
GMC Terrain Trim Level Annual Policy 6-month Policy Per Month
SLE 2WD$1,342$671$112
SLE AWD$1,352$676$113
SLT 2WD$1,390$695$116
SLT AWD$1,436$718$120
AT4 AWD$1,448$724$121
Denali AWD$1,464$732$122

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 October 30, 2022
GMC Terrain Insurance Cost by Trim Level

Is a GMC Terrain expensive to insure?

The GMC Terrain ranks #20 out of 46 total comparison vehicles in the 2022 small SUV segment. The Terrain costs an average of $1,404 per year to insure and the category average cost is $1,426 per year, a difference of $22 per year.

When car insurance rates are compared to the best-selling models in the small SUV category, the GMC Terrain costs $36 less per year than the Toyota RAV4, $68 more than the Honda CR-V, $20 less than the Chevrolet Equinox, and $88 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 2022 compact SUV and crossover class.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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 October 30, 2022
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
1Mazda CX-5$1,158-$246
2Nissan Kicks$1,190-$214
3Chevrolet Trailblazer$1,196-$208
4Subaru Crosstrek$1,224-$180
5Toyota C-HR$1,254-$150
6Buick Encore$1,260-$144
7Nissan Rogue Sport$1,272-$132
8Hyundai Venue$1,294-$110
9Buick Envision$1,298-$106
10Kia Seltos$1,300-$104
11Toyota Corolla Cross$1,310-$94
12Hyundai Kona$1,318-$86
13Subaru Forester$1,320-$84
14Volkswagen Tiguan$1,324-$80
15Honda CR-V$1,336-$68
16Mazda CX-30$1,350-$54
17Honda HR-V$1,370-$34
18Ford Ecosport$1,380-$24
19Chevrolet Trax$1,398-$6
20GMC Terrain$1,404--
21Mitsubishi Eclipse Cross$1,408$4
22Hyundai Tucson$1,416$12
23Chevrolet Bolt$1,420$16
24Chevrolet Equinox$1,424$20
25Volkswagen Taos$1,428$24
26Fiat 500X$1,434$30
27Toyota RAV4$1,440$36
28Kia Soul$1,442$38
29Mazda MX-30$1,472$68
30Jeep Compass$1,478$74
31Kia Niro$1,480$76
32Nissan Rogue$1,492$88
33Ford Escape$1,498$94
34Hyundai Ioniq 5$1,514$110
35Mini Cooper Clubman$1,516$112
36Jeep Renegade$1,518$114
37Kia Sportage$1,524$120
38Ford Bronco$1,532$128
39Volkswagen ID4$1,554$150
40Mini Cooper$1,564$160
41Mini Cooper Countryman$1,582$178
42Mitsubishi Outlander$1,640$236
43Mitsubishi Mirage$1,658$254
44Ford Mustang Mach-E$1,726$322
45Hyundai Nexo$1,744$340
46Jeep Wrangler$1,746$342

How much is insurance on a used Terrain?

Opting for a 2013 GMC Terrain in place of a more expensive 2022 version will save as much as $248 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 2022 model years. Costs ranges from a minimum of $1,036 for a 60-year-old driver rated on a 2015 GMC Terrain to the highest rate of $2,760 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
2022 GMC Terrain$2,760$1,404$1,254
2021 GMC Terrain$2,634$1,336$1,192
2020 GMC Terrain$2,586$1,310$1,172
2019 GMC Terrain$2,726$1,374$1,228
2018 GMC Terrain$2,662$1,340$1,200
2017 GMC Terrain$2,566$1,290$1,158
2016 GMC Terrain$2,238$1,136$1,016
2015 GMC Terrain$2,234$1,124$1,010
2014 GMC Terrain$2,200$1,114$996
2013 GMC Terrain$2,298$1,156$1,036

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 October 30, 2022
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 is more than the benefits.

Removing physical damage insurance coverage on an older GMC Terrain may save $624 a year, depending on the prior deductible level and the driver age.

Are Terrain insurance rates affected by where I live?

GMC Terrain insurance in the 15 largest metro areas in the U.S. costs from $1,056 per year in Columbus, OH, to $2,648 in New York City, NY, a difference of $1,592.

 

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 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 October 30, 2022
GMC Terrain Insurance Rates in Large U.S. Cities
GMC Terrain Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,648$221
Philadelphia, PA$2,338$195
Los Angeles, CA$2,326$194
San Francisco, CA$2,000$167
Jacksonville, FL$1,990$166
San Jose, CA$1,658$138
Phoenix, AZ$1,612$134
San Diego, CA$1,580$132
Chicago, IL$1,526$127
Dallas, TX$1,496$125
Houston, TX$1,490$124
Indianapolis, IN$1,412$118
San Antonio, TX$1,342$112
Austin, TX$1,276$106
Columbus, OH$1,056$88

GMC Terrain insurance cost by state

States like Idaho ($1,108), Iowa ($1,016), and Maine ($968) have better insurance rates, while states like Louisiana ($2,034), Michigan ($2,234), and Florida ($2,050) 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 $1,266, $1,126, and $1,262 per year, respectively.

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

GMC Terrain Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,144$572$95
Alaska$1,230$615$103
Arizona$1,250$625$104
Arkansas$1,500$750$125
California$1,608$804$134
Colorado$1,496$748$125
Connecticut$1,360$680$113
Delaware$1,428$714$119
Florida$2,050$1,025$171
Georgia$1,356$678$113
Hawaii$952$476$79
Idaho$1,108$554$92
Illinois$1,134$567$95
Indiana$1,050$525$88
Iowa$1,016$508$85
Kansas$1,412$706$118
Kentucky$1,632$816$136
Louisiana$2,034$1,017$170
Maine$968$484$81
Maryland$1,266$633$106
Massachusetts$1,148$574$96
Michigan$2,234$1,117$186
Minnesota$1,232$616$103
Mississippi$1,326$663$111
Missouri$1,488$744$124
Montana$1,366$683$114
Nebraska$1,340$670$112
Nevada$1,538$769$128
New Hampshire$846$423$71
New Jersey$1,326$663$111
New Mexico$1,126$563$94
New York$1,492$746$124
North Carolina$894$447$75
North Dakota$1,166$583$97
Ohio$816$408$68
Oklahoma$1,364$682$114
Oregon$1,176$588$98
Pennsylvania$1,180$590$98
Rhode Island$1,652$826$138
South Carolina$1,294$647$108
South Dakota$1,274$637$106
Tennessee$1,108$554$92
Texas$1,322$661$110
Utah$1,160$580$97
Vermont$930$465$78
Virginia$904$452$75
Washington$1,066$533$89
West Virginia$1,262$631$105
Wisconsin$952$476$79
Wyoming$1,290$645$108

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 October 30, 2022
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 2022 GMC Terrain insurance cost between a 40-year-old driver ($1,404 per year) and a 20-year-old driver ($2,760 per year) is $1,356, or a savings of 49.1%.
  • GMC Terrain insurance for teen drivers is expensive. Average rates for full coverage Terrain insurance costs $4,934 per year for a 16-year-old driver, $4,614 per year for a 17-year-old driver, and $4,312 per year for a 18-year-old driver.
  • Lower policy cost by raising deductibles. Raising deductibles from $500 to $1,000 could save around $220 per year for a 40-year-old driver and $424 per year for a 20-year-old driver.
  • Choosing a low deductible will increase insurance policy cost. Decreasing deductibles from $500 to $250 could cost an additional $230 per year for a 40-year-old driver and $448 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 $1,668 or more per year.
  • Policyholder gender affects insurance cost. For a 2022 GMC Terrain, a 20-year-old male driver pays an average rate of $2,760 per year, while a 20-year-old woman pays an estimated $2,064, a difference of $696 per year in the women’s favor by a large margin. But by age 50, male driver rates are $1,280 and the rate for females is $1,252, a difference of only $28.