GMC Terrain Insurance Cost
The GMC Terrain is a compact suv with an average insurance cost of $1,620/yr. It carries a 5/5 NHTSA safety rating and low theft risk. See how costs break down by year below.
Quote My Terrain$1,620/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
Low
Theft Risk
Compact SUV
Body Type
Insurance Cost by Year — GMC Terrain
About GMC Terrain Insurance
The GMC Terrain is a popular compact suv that averages $1,620/yr in annual insurance premiums. This places it below the national average of approximately $1,770 per year.
With a 5/5 NHTSA safety rating, the Terrain is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The low theft risk also helps keep comprehensive coverage affordable.
Insurance costs vary by model year — newer Terrains (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does GMC Terrain insurance cost?
The average insurance cost for a GMC Terrain is $1,620/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the GMC Terrain expensive to insure?
Compared to the national average of about $1,770/yr, the GMC Terrain at $1,620/yr is below average in insurance cost. As a compact suv, it falls within the typical range for its class.
What is the GMC Terrain's safety rating?
The GMC Terrain has a 5/5 NHTSA safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the GMC Terrain a theft target?
The GMC Terrain has a low theft risk rating. Low theft risk helps keep your comprehensive coverage affordable.
How can I get cheap GMC Terrain insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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