How much is insurance on a GMC Terrain?

A 2024 GMC Terrain runs about $1,800 a year for a typical 45-year-old, $140 less than an average car of the same age, because of lower non-crash losses, less damage to others' property, lower crash-repair losses, and fewer injury claims. Putting a new 16-year-old on a family policy with the Terrain adds about $1,190 a year (#9 of 26 small SUVs we compare).

2024 GMC Terrain (Terrain AWD), national average

about $1,800 a year (about $150 a month)

Estimated range: $1,300–$2,400. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Terrain drops to about $1,440 (see the table below).

A GMC Terrain from the 2018–2024 generation. Photo: Mr.choppers, CC BY-SA 3.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Terrain AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Terrain's rank is the same in every state.

Why the GMC Terrain costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the GMC Terrain 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 83 for crash repairs, 80 for non-crash damage, 82 for damage to others' property, and 89 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage17% better than average14th best of the 26 small SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage20% better than average15th best of the 26 small SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage18% better than average5th best of the 26 small SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 11% less often than average8th best of the 24 small SUVs we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Terrain comes out about 18% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 7% less than average: about $890 a year vs $950. On the liability side, damage to others and injury claims combine to about 14% better than average. We count about half, so that part is about 7% less: $920 a year vs $990.

How the math works

In EPA size classes, the Terrain is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the GMC Terrain is benchmarked against small SUVs.

Matched to HLDI series “GMC Terrain 4dr 4WD” (HLDI, 2022–24 models).

A used GMC Terrain, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Terrain AWD (0–3 years old)	about $1,800	about $920	+$1,190	about $5,180
2022 Terrain AWD (4–7 years old)	about $1,700	about $920	+$1,120	about $4,870
2018 Terrain AWD (8–12 years old)	about $1,640	about $940	+$1,080	about $4,690
2013 Terrain AWD (13 or more years old)	about $1,440	about $880	+$950	about $4,150

Our catalog covers the GMC Terrain across model years 2009–2027. Full coverage on a used 2013 Terrain (13 or more years old) runs about $1,440 a year, $360 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $880 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 GMC Terrain trims, full coverage goes from about $1,800 a year on the Terrain AWD to about $1,910 on the Terrain FWD, because HLDI's loss results differ by body, drive, or powertrain.

Terrain AWD: about $1,800
Terrain FWD: about $1,910

On a policy of their own with a 2024 GMC Terrain, a 22–25-year-old pays about $2,350 a year ($540 more than a 45-year-old), a 26–39-year-old about $2,000, and a driver 65 and older about $1,890.

Adding a 16-year-old with a GMC Terrain

Because the GMC Terrain starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,190 a year ($100 a month), $90 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,180 a year, about $3,990 more than sharing the family policy.

For adding a teen driver, the GMC Terrain ranks 30th cheapest out of all 121 models we track. Stepping down to a used 2013 Terrain (13 or more years old) brings the teen add-on to about $950 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the GMC Terrain is the 9th least expensive to insure. Right next to it are the Hyundai Kona (about $1,800 a year) and the Volkswagen Taos (about $1,810).

Photos from Wikimedia Commons contributors. Photo credits.

What a GMC Terrain costs in your state

In six sample states, a 2024 GMC Terrain runs from about $1,160 a year in Maine through Iowa, Nebraska, Oregon and Massachusetts to about $2,170 in Texas:

Maineabout $1,160/yr · +$770 teen
Iowaabout $1,270/yr · +$840 teen
Nebraskaabout $1,490/yr · +$980 teen
Oregonabout $1,590/yr · +$1,050 teen
Massachusettsabout $1,770/yr · +$1,170 teen
Texasabout $2,170/yr · +$1,430 teen

All 50 states and DC · Updated November 5, 2026.

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