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 2024 car, because of slightly cheaper repairs and slightly fewer at-fault claims.

2024 GMC Terrain, national average

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

roughly $1,350–$2,400

An average 2024 car: about $1,940. An older GMC Terrain costs less (below).

Priced: the 2024 Terrain AWD (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.

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.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 (0–3 years old)	about $1,800	about $920	+$1,190	about $5,180
2022 (4–7 years old)	about $1,700	about $920	+$1,120	about $4,870
2018 (8–12 years old)	about $1,580	about $920	+$1,040	about $4,540
2013 (13 or more years old)	about $1,470	about $920	+$970	about $4,210

We list the GMC Terrain for 2009–2027. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.

The 2024 GMC Terrain runs from about $1,800 a year (Terrain AWD) to about $1,910 (Terrain FWD): the claims data differs by drive, body, or powertrain.

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

The GMC Terrain for other drivers on their own policy, a year: 22–25, $2,350; 26–39, $2,000; 65 and older, $1,890.

Adding a 16-year-old with a GMC Terrain

A new 16-year-old driving the GMC Terrain adds about $1,190 a year ($100 a month), $90 less than with an average 2024 car.

For adding a teen, the GMC Terrain ranks 30th cheapest of our 121 car pages.

That's the whole household's bill going up. Cheapest cars to insure for a teen.

Why the GMC Terrain costs what it does

Its insurance claims against an average car's (HLDI):

Repairs: lower than average
Theft and weather: much lower than average
Damage to others: lower than average
Injuries to others: lower than average

The part that fixes or replaces the GMC Terrain: about $890, against $950 for an average 2024 car (7% less). The part that pays for harm to others: about $920, against $990 for an average car (7% less).

By the EPA's size classes it's a small SUV, and it's gas-powered. The Highway Loss Data Institute groups it with small SUVs.

Matched to “GMC Terrain 4dr 4WD” in HLDI's results.

Similar small SUVs

Among these 26 small SUVs, the GMC Terrain is the 9th least expensive to insure.

What if you bought this car? Add it to a comparison

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.