Estimates, not quotes

GMC Terrain Insurance Cost in Mississippi

Insuring a GMC Terrain in Mississippi costs about $1,405 a year ($117/month) for full coverage by our estimate — −5% versus the same car nationally — the 19th most expensive of 51 states for this model.

GMC Terrain (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 in Mississippi at a glance

Full coverage
$1,405
$1,150–$1,660
25/50/25 minimum
$530
$44/mo
Same car nationally
$1,480
full coverage
Avg. car in MS
$1,525
−8% for the Terrain

The GMC Terrain is 8% cheaper than the average vehicle to insure in Mississippi, reflecting HLDI collision losses of 85 and comprehensive losses of 81 (100 = average). Mississippi's own base rates are 6% lower than the national average, which carries through to every model.

Mississippi factors that affect Terrain premiums

  • Uninsured drivers: 28.2% of Mississippi drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Terrain.
  • Theft: 138 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Mississippi's expected annual losses as relatively moderate for hail, relatively high for tornado, relatively moderate for hurricane, relatively low for inland (river) flooding, relatively moderate for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.81 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Mississippi →

GMC Terrain insurance cost in Mississippi cities

CityFull coverageMinimumvs. state
Jackson$1,510$565+7%
Gulfport$1,540$575+10%
Southaven$1,560$590+11%
Hattiesburg$1,440$540+2%
Biloxi$1,515$570+8%
Olive Branch$1,525$575+9%
Tupelo$1,405$5300%
Meridian$1,430$540+2%
Laurel$1,430$535+2%

GMC Terrain insurance in Mississippi by driver

Estimated annual GMC Terrain premium in Mississippi
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,450 $2,105 $3,865 $322
Young adult (22) $845 $1,225 $2,250 $188
Adult in their 30s $530 $765 $1,405 $117
Adult in their 50s $485 $705 $1,295 $108
Senior (72) $590 $855 $1,575 $131
30s, one at-fault accident $765 $1,110 $2,035 $170
30s, DUI on record $975 $1,415 $2,600 $217

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $530 $44 $435–$625
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $765 $64 $630–$905
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,405 $117 $1,150–$1,660

Mississippi minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Mississippi

ModelFull coverage in MSvs. Terrain
Honda CR-V$1,145−19%
Ford Escape$1,560+11%
Nissan Rogue$1,375−2%
Honda HR-V$1,390−1%

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GMC Terrain insurance cost in every state · All GMC models

Frequently asked questions

How much is GMC Terrain insurance in Mississippi?

About $1,405 a year ($117 a month) for full coverage and $530 for Mississippi's minimum liability, for a driver in their 30s with a clean record. That is 5% less than the national estimate for the same car.

Is the GMC Terrain cheaper to insure than the average car in Mississippi?

The average vehicle in Mississippi is about $1,525 a year for full coverage in our model, so the GMC Terrain is 8% cheaper than average.

Where in Mississippi is GMC Terrain insurance cheapest?

Among the largest Mississippi cities, Tupelo has the lowest estimate (about $1,405) and Southaven the highest (about $1,560).

What insurance do I need for a GMC Terrain in Mississippi?

Mississippi requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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