GMC Terrain Insurance Cost [2022 Rates + Rankings]

• Drivers can expect to pay an average of $1,404 per year, $702 for a 6-month policy, or $117 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 $1,342 per year. The most expensive trim is the Denali AWD at $1,464 per year.
• When compared to the entire small SUV segment, the Terrain ranks in the lower half at #20 out of 46 total comparison vehicles.

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.

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.

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.

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.

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.

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.

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.