How much does GMC Terrain insurance cost?

According to our research, the average cost to insure a GMC Terrain is around $161 a month — or $1,936 a year. Your actual cost depends on your driving record, the number of kilometres you drive in a year, your age, gender and other factors.

• How we got this rate

  To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • Single, 35 year old female
  • 2020 GMC Terrain SLE 4DR 2WD
  • 20,000 km driven yearly
  • Perfect driving record
  • Equipped with winter tires
  • Driver located in Etobicoke, Ontario

  Our estimated price is for full insurance coverage, which usually includes mandatory liability coverage, comprehensive and collision coverage.

  Other factors that can affect your auto insurance rate

  • The model year
  • The vehicle’s trim
  • The amount of coverage you need
  • The estimated kilometres you drive in a year
  • The vehicle’s safety and anti-theft features
  • The driver’s credit score
  • The driver’s location
  • The driver’s age
  • The driver’s driving history in the past several years
  • The driver’s marital status
  • Your (or the driver’s) gender
  • Whether the driver rents, leases or owns the vehicle

Compare free car insurance quotes online for your GMC Terrain

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Name	Product	Accident Forgiveness	Min. Liability Coverage	Discounts Available	Online Claims	Available Provinces
Surex Auto Insurance		Yes	$1,000,000	Up to 25%		Alberta, New Brunswick, Northwest Territories, Nova Scotia, Nunavut, Ontario, PEI, Yukon	Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor. Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.	Get a quote More Info	Compare	loading Fetching your data...
Onlia Car Insurance		Yes	$1,000,000	Over $500*		Ontario	Get premium auto insurance coverage with Onlia. Save money on your auto insurance through safe driving discounts and bundling insurance options. Who it might be good for: Drivers in Ontario looking to save on insurance costs by driving safely.	Get a quote More Info	Compare	loading Fetching your data...
Aviva Car Insurance		Yes	$1,000,000	Up to 25%		Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon	Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex. Who it might be good for: Drivers looking to customize their auto policy.	Get a quote More Info	Compare	loading Fetching your data...
Travelers Car Insurance		Yes	$1,000,000	Up to 25%		Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon	Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex. Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.	Get a quote More Info	Compare	loading Fetching your data...

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How to compare insurance for the GMC Terrain

When comparing insurance options for your GMC Terrain, consider these factors:

• Price. Because the GMC Terrain comes with several standard safety features, you may be able to unlock discounts to lower the cost of your monthly premium.
• Deductible. You could choose a policy with a higher deductible to lower your premium, just make sure you have that cash on hand in case of an accident.
• Coverage. Make sure your insurance policy covers your province or territory’s minimum requirements. If you have an upgraded trim package, you may want to consider collision and comprehensive coverage.
• Manufacturer offers. Every new GMC comes with 2 warranties: a 3-year, 60,000-km limited warranty, which includes tires, and a 5-year, 160,000-km powertrain warranty.

What factors affect car insurance for the GMC Terrain?

As a relatively reliable midrange compact SUV with high safety ratings, the GMC Terrain shouldn’t break the bank to insure. However, the trim package you choose could affect your insurance premium.

The 2020 GMC Terrain is available in SLE, SLT and Denali packages in order of increasing price. It could cost you more each month to insure your GMC Terrain Denali than it will to insure the SLE version.

Does the GMC Terrain qualify for discounts?

Yes. You should be able to snap up a few premium discounts for your GMC Terrain, thanks to advanced safety features like:

• A teen driver feature that allows you to set speed and volume limits for specific drivers
• A rearview camera
• Airbags
• Four-wheel antilock braking system
• Four-wheel disc brakes
• Electronic stability control
• Traction control
• Antitheft security system

Reliability and safety ratings for the GMC Terrain

Like many other GMC and Chevrolet vehicles, the 2020 GMC Terrain rates high in both reliability and safety. The JD Power Consumer Rating gives this compact SUV an 83 out of 100 reliability rating. The 2019 model was a JD Power Performance Award Winner, which is awarded to models with the highest design and performance ratings from owners within 90 days of purchasing. The Insurance Institute for Highway Safety (IIHS) gave the GMC Terrain a “good” score in all crashworthiness tests, which is the highest possible rating. However, the Terrain’s headlights earned a poor rating from the IIHS.

The GMC Terrain series maintenance

The GMC Terrain is a compact SUV built with fuel efficiency and relatively low routine maintenance costs in mind. Like its cousin, the Chevrolet Equinox, the GMC Terrain should get up to 9.2 L/100 km in the city and 7.8 L/100 km on the highway. And oil changes, brake pad replacements, tire rotation and other routine services shouldn’t be too pricey.

Bottom line

Average insurance rates combined with modest repair and routine maintenance costs and above-average fuel economy make the GMC Terrain a smart choice for a mix of value and luxury. If you have a clean driving history and qualify for paperless billing, bundling of your home and auto policies or other insurance discounts, you could save even more.

To get the best rate for your GMC Terrain, compare car insurance providers against your budget and needs.

Frequently asked questions about the GMC Terrain

• How do I use GMC’s free roadside assistance?

  If you’re not an active GMC OnStar subscriber, call 1-888-4ONSTAR (1-888-466-7827) to initiate roadside assistance. If you subscribe to OnStar, just press the blue OnStar button in your car to get started.

• Can I add safety features to my GMC Terrain?

  Yes. Depending on the trim package you choose, you may be able to add safety features like pedestrian braking, adaptive cruise control, low-speed forward automatic braking and lane-change alert.

  These features could help you save on your insurance premium, so let your provider know if your vehicle is equipped with them.