GMC Terrain insurance rates

GMC Terrain car insurance rates

• How we got this rate

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

  • A 30-year-old driver in Pennsylvania
  • Drives a 2018 GMC Terrain SL
  • Drives between 10,001 and 15,000 miles a year
  • Has no accidents in the past five years
  • Has an anti-theft device on the vehicle
  • Has good credit

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 state’s minimum requirements. If you have an upgraded trim package, you may want to consider collision and comprehensive coverage.
• Manufacturer offers. All new GMC vehicles are covered by the five-year powertrain warranty, which includes 24/7 roadside assistance and courtesy transportation if your vehicle’s in the shop.

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 2018 GMC Terrain is available in SL, SLE, SLE diesel, SLT, SLT diesel 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 SL 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 GMC Terrain rates high in both reliability and safety. JD Power gives this compact SUV a 4 out of 5 reliability rating, and the National Highway Traffic Safety Administration gives it a 4 out of 5 overall safety rating. US News combines this rating with Insurance Institute for Highway Safety ratings to derive the GMC Terrain’s 9.5 out of 10 safety score.

Thanks to these above-average safety and reliability ratings, you could shave savings off your insurance policy for this SUV.

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 28 mpg in the city and 39 mpg 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 much more will it cost to insure a GMC Terrain Denali over the starting SL model?

  Your insurance premium varies based on many factors, but on average, you could pay some $30 more monthly — or $360 more per year — for the Denali trim package compared to the GMC Terrain SL.

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

  If you’re not an active GMC OnStar subscriber, call 1-800-677-4927 to initiate roadside assistance.

  If you subscribe to OnStar, just press the blue OnStar button on your dash 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.

• How does the GMC Terrain compare to the Chevy Equinox in terms of running costs?

  According to our research, these two vehicles run neck and neck when it comes to insurance rates and basic running costs.