Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

Full Bio →

Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Sep 4, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

SUC car insurance costs can be quite high but thankfully, the GMC Terrain is not as expensive as some other SUVs when it comes to insurance.

That’s because the GMC terrain is known as a crossover SUV. It combines features of passenger vehicles and SUVs in order to gain the benefits of an SUV while reducing the costs of production.

Read on to learn more about the GMC Terrain and the factors that go into the cost of insurance for it.

Compare Auto Insurance Quotes with our FREE tool now!

History of the GMC Terrain

The GMC Terrain first began production in 2009 as a replacement for the Pontiac Torrent. The four-door SUV came with either an inline four-cylinder or V6 engine controlled by a six-speed automatic transmission.

The SUV was targeted to compete as a low-cost alternative to higher priced models.

The Terrain was built on the GM Theta crossover platform. The automobile architecture was shared with the Chevrolet Equinox and Saturn Vue among others.

GM introduced the Terrain to compete with other small-to-midsize crossover SUVs. Toyota and Honda had initially controlled most of the market share for vehicles of that class and size.

While Pontiac first introduced the Torrent to compete, the company was eliminated by GM during the financial crisis. The GMC Terrain took over as the model offered to compete with Honda and Toyota.

Crash Test Ratings

The National Highway Traffic Safety Administration (NHTSA) gave the GMC Terrain five stars in all categories except for rollovers, which received four stars. Crash test ratings are especially important for insurance covering the driver and passengers.

However, state minimums which specify coverage only for other drivers and property damage rely only partially on the crash test ratings of the vehicle.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

Vehicle Safety Features

The GMC Terrain comes with standard protections in the event of a collision. Some of the more significant factors that lower the insurance costs are:

  • Four-Wheel Antilock Brake System
  • Front and Rear Air Bags
  • Dual Front Side-mounted Airbags
  • Child Safety Seat Anchors
  • Three-Point Safety Belts for All Seats
  • Traction and Stability Control
  • Tire Pressure Monitoring System

Once again, these factors come into play if you’re seeking full coverage insurance that includes you and your passengers.

GMC Terrain Models

When shopping for car insurance, it’s important to know the model of the GMC Terrain you’ll be insuring. There are four basic models called the SLE-1, SLE-2, SLT-1 and SLT-2. The SLE-1 is the basic four-cylinder model. All other models have the option for a six-cylinder 3.0L engine.

The most notable difference of the SLE-2 is the roof rack. The SLT is the more expensive version that includes 18-inch wheels and other premium features such as leather seats.

The most obvious feature of the SLT-2 is the presence of the front chrome grill and skid plates. If you’re unsure of the model you’re driving, then use these descriptions to take a look.

The cost of insurance doesn’t vary significantly between models, but the SLT incurs a slightly higher cost due to the larger wheels. Likewise, six-cylinder engines may see a modest increase over four-cylinder models.

How much is car insurance for the GMC Terrain?

There are many elements that play into the total cost of insuring a driver, but you can get a rough idea of the overall cost by considering basic costs and taking your personal situation into consideration.

Overall, the cost for insuring someone driving the GMC Terrain runs about $210 to $285 a month among various car insurance companies for most good drivers.

Factors that can raise or lower your payment are previous accidents, other vehicles insured, driving purpose, age, number of miles driven per year and others.

These factors will consistently raise or lower your payment for each insurance company, so they will affect your base price almost equally.

Compare Auto Insurance Quotes with our FREE tool now!