Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used GMC Terrain? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

GMC Terrain car insurance facts

  • Average full coverage auto insurance premium: $110/month

  • Most affordable companies: Mercury Insurance ($77/month) & USAA ($82/month)

  • Terrain car insurance cost vs. average rates: $48 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your GMC Terrain by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average GMC Terrain insurer costs by state:

Risk factors affecting GMC Terrain car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on GMC Terrain car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all GMC models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

GMC automobile brand

General Motors Company (GMC) is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the GMC brand for the United States market. GMC is the largest United States automobile manufacturer and one of the world’s largest auto manufacturers. The target market of GMC is middle, upper-middle, and upper-class U.S. consumers focusing on advanced technology with creative designs and affordability. All GMC automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The GMC Sierra 1500, Canyon, Terrain, and Yukon are some of their most popular vehicles.

High GMC Terrain repair costs equal high car insurance rates

Many consumers are attracted to GMC’s creative designs, increased fuel efficiencies, and driver-assist technologies, like GMC’s Pro and GMC Pro Safety technological innovations. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a GMC is higher than average since repair parts are slightly more expensive. For this reason, many GMCs are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for GMC Terrain affecting car insurance policies

Another factor to consider for GMC is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all GMC models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent GMC IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

GMCs are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as GMC’s Pro Safety and Pro Safety Plus innovations, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% car insurance discounts for passive restraints and safety features for most GMC models. The GMC Terrain and Acadia are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives GMC automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new GMC automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 GMC Terrain

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$1967
Allied$1599
Allstate$1459
Auto-Owners$1530
Cincinnati Insurance$1764
Direct Auto$1650
GEICO$1190
Kentucky Farm Bureau$1567
Liberty Mutual$1397
Mercury$933
MetLife$1824
Nationwide$1351
Plymouth Rock Insurance$1467
Progressive$1229
State Farm$1085
Tennessee Farmers$1030
Texas Farm Bureau$1258
Travelers$1142
USAA$989

Compare all 2021 GMC Terrain rates

Average Cost to Insure Per Year

$1280

List Price

$25000

Trims Available

SL - SLE - SLT - SLE Diesel - SLT Diesel - Denali - Base Engine: turbocharged 1.5-liter four-cylinder rated at 170 horsepower with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2020 GMC Terrain

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1489
Allstate$1425
Auto-Owners$1526
Farmers$1567
GEICO$1187
Liberty Mutual$1380
Mercury$930
MetLife$1814
Nationwide$1325
Progressive$1216
State Farm$1084
Tennessee Farmers$1026
Texas Farm Bureau$1248
The Hanover$1654
Travelers$1135
USAA$987

Compare all 2020 GMC Terrain rates

Average Cost to Insure Per Year

$1213

List Price

$25000

Trims Available

SL - SLE - SLT - SLE Diesel - SLT Diesel - Denali - Base Engine: turbocharged 1.5-liter four-cylinder rated at 170 horsepower with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2019 GMC Terrain

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1502
Allstate$1433
Auto-Owners$1548
GEICO$1152
Kentucky Farm Bureau$1629
Liberty Mutual$1330
Mercury$924
MetLife$1835
Nationwide$1260
Progressive$1196
State Farm$1033
Tennessee Farmers$978
Texas Farm Bureau$1249
The Hanover$1706
Travelers$1055
USAA$956

Compare all 2019 GMC Terrain rates

Average Cost to Insure Per Year

$1186

List Price

$25000

Trims Available

SL - SLE - SLT - SLE Diesel - SLT Diesel - Denali - Base Engine: turbocharged 1.5-liter four-cylinder rated at 170 horsepower with GMC Safe Assist driver technologies: forward collision warning (FCW) with pedestrian detection, automatic emergency braking (AEB), lane departure warning (LDW), lane-keeping assistance (LKA), a following distance indicator, IntelliBeam automatic high-beam headlights, Standard and passive safety features: Adaptive Cruise Control, Lane Departure Warning, Rear Cross-Traffic Alert, Lane Change Alert with Side Blind Zone Alert, Safety Alert Seat, Onstar Safety and Security, Airbags, Anti-lock brakes, Stability control, Airbags, and Pretensioners

2018 GMC Terrain

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1164
Acuity$ 1164
Allied$ 1070
Allied$ 1070
Country$ 1185
Country$ 1185
Erie$ 828
Erie$ 828
GEICO$ 670
GEICO$ 670
Nationwide$ 1021
Nationwide$ 1021
Plymouth Rock Insurance$ 1140
Plymouth Rock Insurance$ 1140
Progressive$ 886
Progressive$ 886
State Farm$ 992
State Farm$ 992
Tennessee Farmers$ 1009
Tennessee Farmers$ 1009
USAA$ 892
USAA$ 892
Vermont Mutual$ 1069
Vermont Mutual$ 1069

Compare all 2018 GMC Terrain rates

Average Cost to Insure Per Year

$ 1108

List Price

$ 24995

Trims Available

SL - SLE - SLT - SLE Diesel - SLT Diesel - Denali

2017 GMC Terrain

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1139
Acuity$ 1139
Allied$ 1076
Allied$ 1076
Country$ 1144
Country$ 1144
Erie$ 747
Erie$ 747
GEICO$ 598
GEICO$ 598
Nationwide$ 1009
Nationwide$ 1009
Plymouth Rock Insurance$ 1099
Plymouth Rock Insurance$ 1099
Progressive$ 859
Progressive$ 859
State Farm$ 900
State Farm$ 900
Texas Farm Bureau$ 784
Texas Farm Bureau$ 784
USAA$ 814
USAA$ 814
Vermont Mutual$ 1011
Vermont Mutual$ 1011

Compare all 2017 GMC Terrain rates

Average Cost to Insure Per Year

$ 1011

List Price

$ 24070

Trims Available

SL - SLE-1 - SLE-2 - SLT - Denali

2016 GMC Terrain

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1124
Acuity$ 1124
Allied$ 1091
Allied$ 1091
Erie$ 736
Erie$ 736
GEICO$ 635
GEICO$ 635
Nationwide$ 1060
Nationwide$ 1060
Plymouth Rock Insurance$ 1072
Plymouth Rock Insurance$ 1072
Progressive$ 868
Progressive$ 868
State Farm$ 1044
State Farm$ 1044
Tennessee Farmers$ 893
Tennessee Farmers$ 893
Texas Farm Bureau$ 771
Texas Farm Bureau$ 771
USAA$ 864
USAA$ 864
Vermont Mutual$ 987
Vermont Mutual$ 987

Compare all 2016 GMC Terrain rates

Average Cost to Insure Per Year

$ 1018

List Price

$ 23975

Trims Available

SL - SLE-1 - SLE-2 - SLT - Denali

2015 GMC Terrain

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1092
Acuity$ 1092
Allied$ 1089
Allied$ 1089
Erie$ 686
Erie$ 686
GEICO$ 575
GEICO$ 575
Nationwide$ 1040
Nationwide$ 1040
Plymouth Rock Insurance$ 1056
Plymouth Rock Insurance$ 1056
Progressive$ 782
Progressive$ 782
State Farm$ 795
State Farm$ 795
Tennessee Farmers$ 925
Tennessee Farmers$ 925
Texas Farm Bureau$ 936
Texas Farm Bureau$ 936
USAA$ 732
USAA$ 732
Vermont Mutual$ 961
Vermont Mutual$ 961

Compare all 2015 GMC Terrain rates

Average Cost to Insure Per Year

$ 958

List Price

$ 24070

Trims Available

SL - SLE-1 - SLE-2 - SLT-1 - SLT-2 - Denali

2014 GMC Terrain

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1035
Acuity$ 1035
Allied$ 1025
Allied$ 1025
Erie$ 667
Erie$ 667
GEICO$ 552
GEICO$ 552
Nationwide$ 1040
Nationwide$ 1040
Plymouth Rock Insurance$ 1030
Plymouth Rock Insurance$ 1030
Progressive$ 778
Progressive$ 778
State Farm$ 808
State Farm$ 808
Tennessee Farmers$ 900
Tennessee Farmers$ 900
Texas Farm Bureau$ 780
Texas Farm Bureau$ 780
USAA$ 712
USAA$ 712
Vermont Mutual$ 906
Vermont Mutual$ 906

Compare all 2014 GMC Terrain rates

Average Cost to Insure Per Year

$ 912

List Price

$ 26465

Trims Available

SLE-1 - SLE-2 - SLT-1 - SLT-2 - Denali

2013 GMC Terrain

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1010
Acuity$ 1010
Allied$ 1010
Allied$ 1010
American Family$ 1013
American Family$ 1013
Erie$ 653
Erie$ 653
GEICO$ 533
GEICO$ 533
Plymouth Rock Insurance$ 1013
Plymouth Rock Insurance$ 1013
Progressive$ 758
Progressive$ 758
State Farm$ 778
State Farm$ 778
Tennessee Farmers$ 888
Tennessee Farmers$ 888
Texas Farm Bureau$ 754
Texas Farm Bureau$ 754
USAA$ 672
USAA$ 672
Vermont Mutual$ 886
Vermont Mutual$ 886

Compare all 2013 GMC Terrain rates

Average Cost to Insure Per Year

$ 890

List Price

$ 26305

Trims Available

SLE-1 - SLE-2 - SLT-1 - SLT-2 - Denali

2012 GMC Terrain

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 936
Acuity$ 936
American Family$ 992
American Family$ 992
Country$ 1014
Country$ 1014
Erie$ 599
Erie$ 599
GEICO$ 510
GEICO$ 510
Plymouth Rock Insurance$ 985
Plymouth Rock Insurance$ 985
Progressive$ 759
Progressive$ 759
State Farm$ 750
State Farm$ 750
Tennessee Farmers$ 857
Tennessee Farmers$ 857
Texas Farm Bureau$ 735
Texas Farm Bureau$ 735
USAA$ 657
USAA$ 657
Vermont Mutual$ 803
Vermont Mutual$ 803

Compare all 2012 GMC Terrain rates

Average Cost to Insure Per Year

$ 857

List Price

$ 25560

Trims Available

SLE-1 - SLE-2 - SLT-1 - SLT-2

2011 GMC Terrain

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 919
American Family$ 919
Arbella$ 921
Arbella$ 921
Country$ 966
Country$ 966
Erie$ 588
Erie$ 588
GEICO$ 505
GEICO$ 505
Plymouth Rock Insurance$ 962
Plymouth Rock Insurance$ 962
Progressive$ 745
Progressive$ 745
State Farm$ 806
State Farm$ 806
Tennessee Farmers$ 837
Tennessee Farmers$ 837
Texas Farm Bureau$ 703
Texas Farm Bureau$ 703
USAA$ 649
USAA$ 649
Vermont Mutual$ 753
Vermont Mutual$ 753

Compare all 2011 GMC Terrain rates

Average Cost to Insure Per Year

$ 844

List Price

$ 24500

Trims Available

SLE-1 - SLE-2 - SLT-1 - SLT-2