Estimates, not quotes

GMC Terrain vs Nissan Rogue Insurance Cost

The Nissan Rogue is cheaper to insure by about $50 a year for full coverage by our estimate ($1,480 vs. $1,430), 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 TerrainNissan RogueDifference
State minimum$610$610—
Standard (100/300/100)$885$885—
Full coverage$1,480$1,430+$50

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

Why one costs more to insure

FactorGMC TerrainNissan Rogue
SegmentSmall SUVSmall SUV
PowertrainsGasoline, Diesel, Flex-fuelGasoline, Hybrid
HLDI collision (100 = avg)8582
HLDI comprehensive8174
HLDI property damage liability9090
HLDI bodily injury liability115119
NHTSA overall rating—5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)16

Collision losses are the biggest swing factor: the GMC Terrain has 3 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Terrain vs Rogue insurance by state

StateTerrainRogueDifference
Alabama$1,280$1,230+$50
Alaska$1,290$1,245+$45
Arizona$1,555$1,500+$55
Arkansas$1,290$1,230+$60
California$1,440$1,390+$50
Colorado$1,675$1,605+$70
Connecticut$1,585$1,535+$50
Delaware$1,670$1,630+$40
District of Columbia$1,860$1,795+$65
Florida$2,150$2,100+$50
Georgia$1,850$1,800+$50
Hawaii$1,015$975+$40
Idaho$1,000$965+$35
Illinois$1,275$1,230+$45
Indiana$1,045$1,005+$40
Iowa$990$940+$50
Kansas$1,170$1,115+$55
Kentucky$1,245$1,205+$40
Louisiana$2,055$1,985+$70
Maine$935$900+$35
Maryland$1,665$1,615+$50
Massachusetts$1,450$1,400+$50
Michigan$1,605$1,550+$55
Minnesota$1,225$1,175+$50
Mississippi$1,405$1,350+$55
Missouri$1,335$1,280+$55
Montana$1,165$1,110+$55
Nebraska$1,170$1,115+$55
Nevada$1,725$1,690+$35
New Hampshire$1,045$1,005+$40
New Jersey$1,805$1,755+$50
New Mexico$1,320$1,270+$50
New York$2,005$1,950+$55
North Carolina$1,090$1,040+$50
North Dakota$930$880+$50
Ohio$1,050$1,010+$40
Oklahoma$1,320$1,260+$60
Oregon$1,340$1,305+$35
Pennsylvania$1,280$1,230+$50
Rhode Island$1,800$1,750+$50
South Carolina$1,595$1,550+$45
South Dakota$1,105$1,045+$60
Tennessee$1,220$1,170+$50
Texas$1,745$1,670+$75
Utah$1,355$1,315+$40
Vermont$945$905+$40
Virginia$1,270$1,225+$45
Washington$1,300$1,260+$40
West Virginia$1,225$1,170+$55
Wisconsin$1,005$960+$45
Wyoming$1,130$1,065+$65

By driver profile (full coverage)

DriverTerrainRogue
Teen driver (18, own policy)$4,070$3,930
Young adult (22)$2,370$2,285
Adult in their 30s$1,480$1,430
Adult in their 50s$1,360$1,315
Senior (72)$1,660$1,600
30s, one at-fault accident$2,145$2,070
30s, DUI on record$2,740$2,645

More comparisons

Frequently asked questions

Is the GMC Terrain or the Nissan Rogue cheaper to insure?

By our estimate the Nissan Rogue is cheaper, by about $50 a year for full coverage ($1,480 vs. $1,430) for a driver in their 30s with a clean record.

Why does insurance cost differ between the GMC Terrain and Nissan Rogue?

Mostly because of insurance-loss history: HLDI collision indices of 85 vs. 82 and comprehensive indices of 81 vs. 74 (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