GMC Terrain Insurance Cost

Full coverage for a GMC Terrain costs about $1,480 a year ($123/month) by our estimate — ▼ −7% versus the average vehicle, ranking 82nd cheapest of 310 current models.

GMC Terrain exterior (photo from Wikimedia Commons) — Photo: Kevauto, CC BY-SA 4.0

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

GMC Terrain insurance cost at a glance

Full coverage

$1,480

$123/mo · $1,215–$1,745

Minimum liability

$610

$51/mo

Segment

Small SUV

Gasoline, Diesel, Flex-fuel

HLDI collision losses

Better than average (100 = avg)

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2010–2027 model years of the GMC Terrain.

Estimated GMC Terrain premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$610	$51	$500–$720
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$885	$74	$725–$1,045
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,480	$123	$1,215–$1,745

What drives the cost of insuring a GMC Terrain

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The GMC Terrain's results put our vehicle factor at 1.00× for liability, 0.86× for collision and 0.82× for comprehensive.

HLDI relative insurance losses — GMC Terrain 4dr (Small SUVs)
Coverage	Index	Rating	What it measures
Collision	85	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	81	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	90	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	115	Worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	122	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	131	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
GMC Terrain 4dr	85	81	90	115
GMC Terrain 4dr 4WD	83	80	82	89

Repair and parts costs: Small SUV — mainstream parts availability keeps repairs moderate.
Recalls & complaints: 1 NHTSA recall campaigns and 45 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

GMC Terrain trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Terrain AWD	AWD	1.5L 4-cyl Turbo	25
Terrain AWD Denali/AT4	AWD	1.5L 4-cyl Turbo	25
Terrain FWD	FWD	1.5L 4-cyl Turbo	26

GMC Terrain insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	1.5L 4-cyl Turbo	AWD, FWD	25–26	$1,480
2026	1.5L 4-cyl Turbo	AWD, FWD	25–27	$1,455
2025	1.5L 4-cyl Turbo	AWD, FWD	25–27	$1,425
2024	1.5L 4-cyl Turbo	AWD, FWD	25–26	$1,400
2023	1.5L 4-cyl Turbo	AWD, FWD	26	$1,375
2022	1.5L 4-cyl Turbo	AWD, FWD	26–27	$1,345
2021	1.5L 4-cyl Turbo	AWD, FWD	26–27	$1,320
2020	1.5L 4-cyl Turbo, 2.0L 4-cyl Turbo	AWD, FWD	23–27	$1,295
2019	1.5L 4-cyl Turbo, 1.6L 4-cyl Turbo Diesel, 2.0L 4-cyl Turbo	AWD, FWD	23–32	$1,265
2018	1.5L 4-cyl Turbo, 1.6L 4-cyl Turbo Diesel, 2.0L 4-cyl Turbo	AWD, FWD	23–32	$1,240
2017	2.4L 4-cyl, 3.6L 6-cyl	AWD, FWD	18–25	$1,215
2016	2.4L 4-cyl, 3.6L 6-cyl	AWD, FWD	18–26	$1,185
2015	2.4L 4-cyl, 3.6L 6-cyl	AWD, FWD	19–26	$1,185
2014	2.4L 4-cyl, 3.6L 6-cyl	AWD, FWD	19–26	$1,185
2013	2.4L 4-cyl, 3.6L 6-cyl	AWD, FWD	19–26	$1,185
2012	2.4L 4-cyl, 3.0L 6-cyl	AWD, FWD	19–26	$1,185
2011	2.4L 4-cyl, 3.0L 6-cyl	AWD, FWD	19–26	$1,185
2010	2.4L 4-cyl, 3.0L 6-cyl	AWD, FWD	20–26	$1,185

GMC Terrain insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Terrain page for that state.

State	Full coverage	Minimum	vs. national	Terrain page
Alabama	$1,280	$475	−14%	Terrain in AL
Alaska	$1,290	$620	−13%	Terrain in AK
Arizona	$1,555	$655	+5%	Terrain in AZ
Arkansas	$1,290	$445	−13%	Terrain in AR
California	$1,440	$570	−3%	Terrain in CA
Colorado	$1,675	$650	+13%	Terrain in CO
Connecticut	$1,585	$710	+7%	Terrain in CT
Delaware	$1,670	$800	+13%	Terrain in DE
District of Columbia	$1,860	$740	+26%	Terrain in DC
Florida	$2,150	$1,075	+45%	Terrain in FL
Georgia	$1,850	$870	+25%	Terrain in GA
Hawaii	$1,015	$435	−31%	Terrain in HI
Idaho	$1,000	$400	−32%	Terrain in ID
Illinois	$1,275	$495	−14%	Terrain in IL
Indiana	$1,045	$400	−29%	Terrain in IN
Iowa	$990	$310	−33%	Terrain in IA
Kansas	$1,170	$400	−21%	Terrain in KS
Kentucky	$1,245	$525	−16%	Terrain in KY
Louisiana	$2,055	$785	+39%	Terrain in LA
Maine	$935	$425	−37%	Terrain in ME
Maryland	$1,665	$750	+13%	Terrain in MD
Massachusetts	$1,450	$590	−2%	Terrain in MA
Michigan	$1,605	$760	+8%	Terrain in MI
Minnesota	$1,225	$470	−17%	Terrain in MN
Mississippi	$1,405	$530	−5%	Terrain in MS
Missouri	$1,335	$510	−10%	Terrain in MO
Montana	$1,165	$390	−21%	Terrain in MT
Nebraska	$1,170	$400	−21%	Terrain in NE
Nevada	$1,725	$860	+17%	Terrain in NV
New Hampshire	$1,045	$400	−29%	Terrain in NH
New Jersey	$1,805	$930	+22%	Terrain in NJ
New Mexico	$1,320	$515	−11%	Terrain in NM
New York	$2,005	$925	+35%	Terrain in NY
North Carolina	$1,090	$445	−26%	Terrain in NC
North Dakota	$930	$275	−37%	Terrain in ND
Ohio	$1,050	$400	−29%	Terrain in OH
Oklahoma	$1,320	$470	−11%	Terrain in OK
Oregon	$1,340	$625	−9%	Terrain in OR
Pennsylvania	$1,280	$425	−14%	Terrain in PA
Rhode Island	$1,800	$815	+22%	Terrain in RI
South Carolina	$1,595	$730	+8%	Terrain in SC
South Dakota	$1,105	$315	−25%	Terrain in SD
Tennessee	$1,220	$450	−18%	Terrain in TN
Texas	$1,745	$690	+18%	Terrain in TX
Utah	$1,355	$650	−8%	Terrain in UT
Vermont	$945	$315	−36%	Terrain in VT
Virginia	$1,270	$625	−14%	Terrain in VA
Washington	$1,300	$585	−12%	Terrain in WA
West Virginia	$1,225	$435	−17%	Terrain in WV
Wisconsin	$1,005	$370	−32%	Terrain in WI
Wyoming	$1,130	$325	−24%	Terrain in WY

GMC Terrain insurance by driver profile

Estimated annual GMC Terrain premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,680	$2,435	$4,070	$339
Young adult (22)	$975	$1,415	$2,370	$198
Adult in their 30s	$610	$885	$1,480	$123
Adult in their 50s	$560	$815	$1,360	$113
Senior (72)	$685	$990	$1,660	$138
30s, one at-fault accident	$885	$1,285	$2,145	$179
30s, DUI on record	$1,130	$1,640	$2,740	$228

GMC Terrain vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
GMC Terrain	$1,480	85	81	—
Honda CR-V	$1,200	63	65	Compare
Ford Escape	$1,625	95	82	Compare
Nissan Rogue	$1,430	82	74	Compare

Estimate GMC Terrain insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Other GMC models

Acadia $1,035/yr
Yukon $1,315/yr
Yukon XL $1,560/yr
Canyon $1,320/yr
Sierra 1500 $1,605/yr
Sierra EV $1,600/yr
Hummer EV $1,495/yr
Savana $1,250/yr
Envoy $1,190/yr
Safari $1,220/yr
Sierra 2500HD $1,320/yr

All GMC insurance costs →

Frequently asked questions

How much is insurance for a GMC Terrain?

We estimate about $1,480 a year ($123 a month) for full coverage and $610 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 7% less than the average vehicle.

Is the GMC Terrain expensive to insure?

HLDI insurance-loss data rates it at 85 for collision and 81 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a GMC Terrain?

North Dakota has the lowest estimate (about $930 a year for full coverage) and Florida the highest (about $2,150).

Is the GMC Terrain cheaper to insure than the Honda CR-V?

By our estimate the GMC Terrain costs about $1,480 a year versus $1,200 for the Honda CR-V, making the Honda CR-V cheaper to insure.

How much is GMC Terrain insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,070 a year at national-average rates by our estimate.

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