GMC Terrains typically cost less to insure compared to other small SUVs in their segment, and drivers typically pay approximately $1,336 annually for liability or full coverage insurance policies.
Lower insurance rates can be attained through safe driving, good credit and forgoing physical damage coverage. To quickly find cheap GMC Terrain car insurance quotes use our free tool above!
Insurance Costs
GMC Terrain car insurance costs are on par with other small SUVs. The model ranks 19th out of 47 total comparison vehicles in its 2023 small SUV class and costs an average annual premium of $1,566 or roughly $131 monthly - that's $40 less than its category average for small SUVs. Lane Keep Assist and Adaptive Cruise Control help lower premium costs; they let drivers know when they drift out of their lane and can prevent collisions between other vehicles or stationary objects.
To lower GMC Terrain insurance premiums cost effectively, drivers can make use of comparison shopping to find the best rates from various insurers and save a considerable amount by getting multiple quotes online from different insurance providers and using an app that allows them to compare them side by side.
Are You Wanting to Reduce Premiums Even Further? Consider Raising Deductibles on Your Policy If you want to save even more, raising your deductibles on your policy might help. A higher deductible means having to pay more out-of-pocket if an accident happens; but in return it could lower premiums significantly - increasing them from $500 to $1,000 could save an older driver $246 annually and save even more with younger drivers saving $474!
Reducing GMC Terrain insurance costs may involve taking advantage of available discounts. These may include good student, multi-vehicle, safe driver, claim-free, homeowner and homeowner discounts among many others. To see which discounts may apply in your ZIP code enter it in our free comparison tool and obtain quotes from several insurance carriers.
The data table below demonstrates how GMC Terrain car insurance costs can differ based on age, state and insurance company. The figures are based on an idealized scenario where one 30-year-old driver without tickets or at-fault accidents carries $250 comprehensive and collision deductibles and minimum liability limits in Missouri carries minimum coverage limits; it should only be used as a guide; you should consider dropping physical damage coverage once annual policy costs exceed 10% of value of your car.
Safety Features
The GMC Terrain SUV is an ideal choice for drivers seeking an efficient and safe SUV. Packed with advanced active safety features to keep drivers secure on the road, this model also boasts affordable car insurance rates that match its minimal repairs and maintenance costs - in addition to saving additional money with available discounts like paperless billing, multi-policy discounts, home and auto bundling discounts or paperless billing/multipolicy bundle savings.
The 2021 GMC Terrain boasts an accident loss percentage of only 10% for bodily injuries and 14% for property damages, making it more reliable than average in its vehicle class. When shopping for your new GMC Terrain, make sure it comes equipped with optional safety features like Forward Collision Alert and Lane Keep Assist with Lane Departure Warning; these systems help avoid collisions by automatically activating brakes when necessary as well as monitoring lane markers to apply corrective steering to help stay within your lane.
Passive safety features are crucial in any vehicle, but especially so in a smaller SUV such as the GMC Terrain. Standard and available passive safety features in this model include full sets of front, side, and head airbags; Daytime Running Lights; and Tire Pressure Monitoring Systems (TPMS).
For advanced drivers looking to advance their driving abilities, the 2021 GMC Terrain Pro Safety Plus features additional safety features to help avoid accidents and injuries. These features include automatic braking with pedestrian detection, blind spot monitoring and rear cross-traffic alert - it even warns when following another vehicle too closely, which is a leading cause of car accidents.
The GMC Terrain offers above-average fuel economy ratings of 22 mpg in the city and 28 mpg on the highway, thanks to its lightweight chassis. If fuel costs become prohibitively expensive for your family, hybrid or electric car options might offer more environmental friendly alternatives.
Additional Drivers
GMC Terrain SUV is an excellent family vehicle with ample cargo space. It can seat five comfortably and boasts 29.6 cubic feet behind the second row and 63.3 cubic feet when its seats are folded down, according to JD Power and the National Highway Traffic Safety Administration ratings. In addition, these positive attributes often get preferential auto insurance rates than similar SUVs.
Car insurance prices for the GMC Terrain vary considerably by state and driver age, making comparisons essential before purchasing coverage. Annual premiums could start as little as $900 in states such as Utah or New Hampshire or reach as high as $1,690 annually in states like Michigan and Florida; other variables including model year and trim level could have an effect as well as choosing higher liability limits while dropping physical damage coverage will lower premiums further.
For families with young drivers, a GMC Terrain equipped with the Teen Driver system could be an ideal vehicle choice. This feature enables parents to set driving parameters while also giving feedback on how well teens drive - this feature may prove especially helpful for newcomers to the road.
GMC Terrain insurance prices depend heavily on how often and for how long you drive each year. If your driving habits don't necessitate frequent use, usage-based or pay-per-mile policies could provide cost savings by tracking driving habits and then only paying for miles traveled each month.
GMC Terrain insurance savings can be achieved by being an exceptional driver, maintaining above-average credit, and forgoing unnecessary coverage. While getting the lowest rates takes time and effort, the reward of lower premiums more than makes up for it! You can start saving by entering your ZIP code below to compare quotes from multiple insurers at once; then simply enter vehicle info to discover discounts tailored specifically for your GMC Terrain.
Deductibles
GMC Terrain drivers can save on car insurance rates by selecting a higher policy deductible. By having that extra money available to pay for repairs after an accident or damage claim occurs, this could save a considerable amount on premiums depending on severity. But there are several things to keep in mind before raising deductibles on their GMC Terrain policy.
First, ensure you understand how deductibles work with your policy. Different insurers offer various deductible options and each has different requirements; determine if a higher deductible makes sense for your budget and situation before consulting your auto insurer about available discounts such as paperless billing, bundling multi-car/home policies (bundling), good student, safe driver or other.
GMC Terrain rates vary considerably by state and even city, making it crucial to compare both prices and coverage before making your purchase. Receiving free quotes can help you find the ideal car insurance plan for your GMC Terrain.
GMC Terrain insurance typically costs an average of $1,566 annually or around $131 monthly - falling within the lower half of 2023 small SUV class and at prices that are considerably below industry norms for this vehicle type. SLE 2WD trim level features low costs while Denali AWD and AT4 AWD models tend to incur higher premiums.
Driving record, credit history and age all play an impactful role in GMC Terrain insurance rates. Older cars tend to cost less to insure than newer ones and experienced drivers often benefit from a reduced premium rate. On the flipside, drivers with poor driving histories or poor credit will pay much higher premiums compared to those who maintain clean records and good credit histories.
GMC Terrain models are very popular and highly-sought-after vehicles, which means insurance rates may differ considerably from model to model. But with some careful shopping and appropriate discounts in mind, you may find an acceptable policy tailored specifically to your needs.