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Car insurance rates vary depending on the make, model and trim level of your vehicle. According to our data analysis, the average cost to insure a GMC Terrain is $2,521 per year or $210 per month. However, your actual rate may be higher or lower depending on things like where you live, your age, your driving record and other personal factors.
The auto insurance rates also change based on the vehicle's model year. For example, the 2025 GMC Terrain costs $2,521, whereas the 2024 GMC Terrain costs $2,478 annually. This is $43 less than the 2025 rates.
Travelers offers the cheapest annual rate for 2025 GMC Terrain at $1,778 per year.
Below, we'll look at GMC Terrain insurance rates and show you how to save.
Average insurance cost of GMC Terrain by model year
| Year of GMC Terrain model | Average cost to insure |
|---|---|
| 2025 | $2,521 |
| 2024 | $2,478 |
| 2023 | $2,463 |
| 2022 | $2,373 |
| 2021 | $2,305 |
Compare Terrain insurance rates by state
| Company | Average annual premium |
|---|---|
| State Farm | $1,863 |
| Nationwide | $2,229 |
| Travelers | $2,332 |
| UAIC | $2,620 |
| GEICO | $2,964 |
| Mercury Insurance | $3,035 |
| Progressive | $3,853 |
| Farmers | $4,138 |
| Allstate | $4,811 |
| AIG | $5,709 |
GMC Terrain insurance rates per year
2025 GMC Terrain insurance rates
Rank Company Average annual premium 1 Travelers $1,778 2 GEICO $1,994 3 State Farm $2,077 4 Nationwide $2,422 5 Progressive $2,431 6 Allstate $3,121 7 Farmers $3,465 8 USAA $1,779 2024 GMC Terrain insurance rates
Rank Company Average annual premium 1 Travelers $1,816 2 State Farm $1,975 3 GEICO $2,123 4 Nationwide $2,248 5 Progressive $2,486 6 Allstate $2,926 7 Farmers $3,341 8 USAA $1,887 2023 GMC Terrain insurance rates
Rank Company Average annual premium 1 Travelers $1,764 2 State Farm $1,881 3 GEICO $2,081 4 Nationwide $2,311 5 Progressive $2,495 6 Allstate $3,102 7 Farmers $3,338 8 USAA $1,941 2022 GMC Terrain insurance rates
Rank Company Average annual premium 1 Travelers $1,737 2 State Farm $1,837 3 GEICO $1,974 4 Nationwide $2,287 5 Progressive $2,335 6 Allstate $2,923 7 Farmers $3,221 8 USAA $1,810 2021 GMC Terrain insurance rates
Rank Company Average annual premium 1 Travelers $1,683 2 State Farm $1,828 3 GEICO $1,945 4 Progressive $2,262 5 Nationwide $2,376 6 Allstate $2,747 7 Farmers $3,079 8 USAA $1,712 2020 GMC Terrain insurance rates
Rank Company Average annual premium 1 Travelers $1,654 2 State Farm $1,804 3 GEICO $1,904 4 Progressive $2,203 5 Nationwide $2,339 6 Allstate $2,667 7 Farmers $2,948 8 USAA $1,682 2019 GMC Terrain insurance rates
Rank Company Average annual premium 1 Travelers $1,640 2 State Farm $1,861 3 GEICO $1,867 4 Progressive $2,204 5 Nationwide $2,366 6 Allstate $2,684 7 Farmers $2,876 8 USAA $1,704 2018 GMC Terrain insurance rates
Rank Company Average annual premium 1 Travelers $1,595 2 State Farm $1,808 3 GEICO $1,821 4 Progressive $2,103 5 Nationwide $2,419 6 Allstate $2,601 7 Farmers $2,733 8 USAA $1,603
GMC insurance annual rates by model
Methodology
Data was fielded by Quadrant Information Services across all 50 states and Washington, D.C. for 1,161 vehicle models. More than 67 million data points from 57 insurance companies were analyzed.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage