Estimates, not quotes

GMC Terrain vs Ford Escape Insurance Cost

The GMC Terrain is cheaper to insure by about $145 a year for full coverage by our estimate ($1,480 vs. $1,625), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageGMC TerrainFord EscapeDifference
State minimum$610$705−$95
Standard (100/300/100)$885$1,020−$135
Full coverage$1,480$1,625−$145

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Terrain minus Escape.

Why one costs more to insure

FactorGMC TerrainFord Escape
SegmentSmall SUVSmall SUV
PowertrainsGasoline, Diesel, Flex-fuelGasoline, Hybrid, Plug-in hybrid, Flex-fuel
HLDI collision (100 = avg)8595
HLDI comprehensive8182
HLDI property damage liability90116
HLDI bodily injury liability115143
NHTSA overall rating—5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)117

Collision losses are the biggest swing factor: the Ford Escape has 10 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Terrain vs Escape insurance by state

StateTerrainEscapeDifference
Alabama$1,280$1,395−$115
Alaska$1,290$1,420−$130
Arizona$1,555$1,710−$155
Arkansas$1,290$1,395−$105
California$1,440$1,580−$140
Colorado$1,675$1,820−$145
Connecticut$1,585$1,755−$170
Delaware$1,670$1,860−$190
District of Columbia$1,860$2,040−$180
Florida$2,150$2,400−$250
Georgia$1,850$2,055−$205
Hawaii$1,015$1,110−$95
Idaho$1,000$1,100−$100
Illinois$1,275$1,400−$125
Indiana$1,045$1,145−$100
Iowa$990$1,065−$75
Kansas$1,170$1,260−$90
Kentucky$1,245$1,370−$125
Louisiana$2,055$2,260−$205
Maine$935$1,020−$85
Maryland$1,665$1,840−$175
Massachusetts$1,450$1,600−$150
Michigan$1,605$1,760−$155
Minnesota$1,225$1,330−$105
Mississippi$1,405$1,530−$125
Missouri$1,335$1,455−$120
Montana$1,165$1,255−$90
Nebraska$1,170$1,265−$95
Nevada$1,725$1,930−$205
New Hampshire$1,045$1,145−$100
New Jersey$1,805$2,005−$200
New Mexico$1,320$1,445−$125
New York$2,005$2,225−$220
North Carolina$1,090$1,185−$95
North Dakota$930$995−$65
Ohio$1,050$1,150−$100
Oklahoma$1,320$1,430−$110
Oregon$1,340$1,490−$150
Pennsylvania$1,280$1,395−$115
Rhode Island$1,800$1,995−$195
South Carolina$1,595$1,765−$170
South Dakota$1,105$1,175−$70
Tennessee$1,220$1,330−$110
Texas$1,745$1,900−$155
Utah$1,355$1,500−$145
Vermont$945$1,025−$80
Virginia$1,270$1,395−$125
Washington$1,300$1,440−$140
West Virginia$1,225$1,325−$100
Wisconsin$1,005$1,090−$85
Wyoming$1,130$1,205−$75

By driver profile (full coverage)

DriverTerrainEscape
Teen driver (18, own policy)$4,070$4,475
Young adult (22)$2,370$2,605
Adult in their 30s$1,480$1,625
Adult in their 50s$1,360$1,495
Senior (72)$1,660$1,820
30s, one at-fault accident$2,145$2,360
30s, DUI on record$2,740$3,010

More comparisons

Frequently asked questions

Is the GMC Terrain or the Ford Escape cheaper to insure?

By our estimate the GMC Terrain is cheaper, by about $145 a year for full coverage ($1,480 vs. $1,625) for a driver in their 30s with a clean record.

Why does insurance cost differ between the GMC Terrain and Ford Escape?

Mostly because of insurance-loss history: HLDI collision indices of 85 vs. 95 and comprehensive indices of 81 vs. 82 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page