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Insuring the GMC Terrain an affordable affair in most states

The GMC Terrain is one of the best mid-size crossover SUVs in the market right now. Since its launch in 2009, the sales of this 5-door crossover have been on an upward slope. Having sold more than 90,000 units in 2012, this GMC car is now a major contender in the mid-size crossover segment.

With the exception of Louisiana and Michigan, insurance rates for a used Terrain are low in a majority of the states. Apart from these two states, where the average annual insurance rates are $2084 and $2178, the rest of the country pays less than $1800 to insure the Terrain for a year. This makes the Terrain a great buy in the used car market.

Let us consider the median price and average insurance of the Terrain in a few states. The insurance percentage shown in the table below is the percentage of the median price that a user car buyer pays to insure the Terrain.

State Insurance Average ($) Median Price ($) Insurance Percentage (%)
Maine 797 23,685 3
Iowa 850 26,990 3
North Carolina 929 23,000 4
Ohio 936 21,353 4
New Hampshire 962 25,995 3
Connecticut 1672 23,270 7
Georgia 1721 22,898 7
Massachusetts 1722 22,999 7
Louisiana 2084 20,995 9
Michigan 2178 20,990 10

As you can see, insuring a Terrain in Maine is extremely affordable. The good news is that it is affordable in most of the states, not just Maine. Maine has a reputation for consistent low auto insurance rates, and an average annual insurance rate as low as $797 is not a phenomenon in Maine; it is the norm. The high rates of insurance in Louisiana and Michigan are also consistent with the pattern of insurance in these states. However, compared to other mid-size cars, the Terrain is still cheaper to insure here. To insure a Honda Accord, for instance, one would have shell out an annual average of $4,347 in Detroit. A simple calculation of the insurance costs and median prices in the different states is recommended before you buy the car. While your insurance costs are non-negotiable, you could lower the cost of your vehicle by buying it from another state.

Average Yearly Insurance Premium $1,310
GMC Terrain MSRP $30,290
Estimated Monthly Income to Afford a GMC Terrain Car including Insurance $560

GMC Terrain - Average Insurance Price by Segment

Male $1,940
Male Married $2,010
Female $1,180
Female Married $1,140
Teenage Girl $5,670

GMC Terrain Safety Features - 2013

Side airbags: front and rear head curtain airbags and front seat-mounted torso airbags Rollover sensor: designed to deploy the side curtain airbags in the event of an impending rollover Electronic stability control, includes roll stability control Antilock brakes Daytime running lights

Expensive States for Insuring GMC Terrain

RankStateAverage Insurance of GMC TerrainMSRPEstimated Monthly Income to Afford a GMC Terrain including Insurance Cost
1 Michigan $2,200 $28,800 $550
2 Louisiana $2,100 $30,000 $570
3 Georgia $2,100 $31,000 $590
4 Massachusetts $1,700 $32,000 $600
5 Connecticut $1,700 $30,000 $560
6 Oklahoma $1,600 $29,000 $540
7 Missouri $1,600 $32,000 $600
8 California $1,600 $28,000 $520
9 West Virginia $1,500 $30,000 $560
10 Rhode Island $1,500 $29,700 $550

Cheap States for Insuring GMC Terrain

RankStateAverage Insurance of GMC TerrainMSRPEstimated Monthly Income to Afford a GMC Terrain including Insurance Cost
1 Maine $800 $30,000 $550
2 Iowa $900 $29,100 $530
3 North Carolina $900 $30,200 $550
4 Ohio $900 $28,900 $530
5 Indiana $1,000 $29,700 $540
6 New Hampshire $1,000 $34,000 $620
7 Vermont $1,000 $30,000 $550
8 Arizona $1,100 $27,700 $510
9 Colorado $1,100 $28,800 $530
10 Idaho $1,100 $36,300 $660

GMC Terrain - Remaining States under Study

RankStateAverage Insurance of GMC TerrainMSRPEstimated Monthly Income to Afford of GMC Terrain including Insurance Cost
1 Illinois $1,100 $26,700 $490
2 South Carolina $1,100 $34,800 $640
3 Virginia $1,100 $34,000 $620
4 Washington $1,100 $31,500 $580
5 Wisconsin $1,100 $30,900 $570
6 Wyoming $1,100 $25,800 $480
7 Florida $1,200 $30,100 $550
8 Kansas $1,200 $30,000 $550
9 Mississippi $1,200 $30,000 $550
10 Nebraska $1,200 $30,000 $550
11 Nevada $1,200 $30,000 $550
12 New York $1,200 $32,300 $590
13 Oregon $1,200 $29,000 $540
14 Alaska $1,300 $31,500 $580
15 Minnesota $1,300 $30,700 $570
16 North Dakota $1,300 $27,600 $510
17 New Mexico $1,300 $30,000 $550
18 Tennessee $1,300 $29,700 $550
19 Texas $1,300 $29,400 $540
20 Utah $1,300 $29,600 $550
21 Alabama $1,400 $27,700 $520
22 Arkansas $1,400 $30,000 $560
23 Delaware $1,400 $30,000 $560
24 Hawaii $1,400 $32,100 $590
25 Maryland $1,400 $30,000 $560
26 Pennsylvania $1,400 $31,600 $580
27 Kentucky $1,500 $29,400 $550
28 Montana $1,500 $30,000 $560
29 New Jersey $1,500 $34,800 $640

GMC Terrain Models Comparison

Model Style Cylinders MSRP Average Premium of GMC Terrain models Est. Monthly Income to Afford a GMC Terrain including Insurance Cost
Terrain SLE1 2WD 4 Door Utility 4 cyl. $30,300 $1,300 $560
Terrain SLE1 2WD 4 Door Utility 6 cyl. $30,300 $1,260 $560
Terrain SLE1 AWD 4WD 4 Door Utility 6 cyl. $30,300 $1,420 $560

GMC Terrain vs Mid Size SUV Insurance Comparision