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Used 2021 GMC Terrain Cost to Own

Total 5-Year Ownership Costs

Terrain SUV

SLE 4dr SUV (1.5L 4cyl Turbo 9A)

True Cost to Own

$36,862*

Total Cash Price

$19,609

SLT 4dr SUV AWD (1.5L 4cyl Turbo 9A)

True Cost to Own

$40,329*

Total Cash Price

$21,839

SLT 4dr SUV (1.5L 4cyl Turbo 9A)

True Cost to Own

$38,785*

Total Cash Price

$21,310

SLE 4dr SUV AWD (1.5L 4cyl Turbo 9A)

True Cost to Own

$39,014*

Total Cash Price

$20,446

Denali 4dr SUV AWD (1.5L 4cyl Turbo 9A)

True Cost to Own

$42,415*

Total Cash Price

$24,406

Denali 4dr SUV (1.5L 4cyl Turbo 9A)

True Cost to Own

$40,682*

Total Cash Price

$23,178

SL 4dr SUV (1.5L 4cyl Turbo 9A)

True Cost to Own

$35,006*

Total Cash Price

$17,491

Ownership Costs: 5-Year Total

Depreciation

$10,792

Taxes & Fees

$1,444

Financing

$3,439

Fuel

$8,856

Insurance

$3,614

Repairs

$2,849

Maintenance

$5,868

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 Terrain SUV SLE 4dr SUV (1.5L 4cyl Turbo 9A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$681$701$722$744$766$3,614
Maintenance$1,886$729$669$293$2,291$5,868
Repairs$412$480$558$647$752$2,849
Taxes & Fees$1,304$35$35$35$35$1,444
Financing$1,178$951$706$443$161$3,439
Depreciation$3,154$2,094$1,663$2,305$1,576$10,792
Fuel$1,668$1,718$1,770$1,823$1,877$8,856
True Cost to Own®$10,283$6,708$6,123$6,290$7,458$36,862
Selected Model:

2021 Terrain SUV SLT 4dr SUV AWD (1.5L 4cyl Turbo 9A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$697$718$739$762$784$3,700
Maintenance$2,202$748$753$312$2,619$6,634
Repairs$443$516$599$696$807$3,061
Taxes & Fees$1,448$35$35$35$35$1,588
Financing$1,312$1,059$786$494$179$3,830
Depreciation$3,960$2,010$1,892$3,031$1,433$12,326
Fuel$1,731$1,783$1,836$1,892$1,948$9,190
True Cost to Own®$11,793$6,869$6,640$7,222$7,805$40,329
Selected Model:

2021 Terrain SUV SLT 4dr SUV (1.5L 4cyl Turbo 9A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$690$711$732$754$777$3,664
Maintenance$2,177$729$669$293$2,582$6,450
Repairs$412$480$558$647$752$2,849
Taxes & Fees$1,414$35$35$35$35$1,554
Financing$1,280$1,034$767$482$175$3,738
Depreciation$2,982$1,957$2,224$2,764$2,066$11,993
Fuel$1,608$1,656$1,706$1,757$1,810$8,537
True Cost to Own®$10,563$6,602$6,691$6,732$8,197$38,785
Selected Model:

2021 Terrain SUV SLE 4dr SUV AWD (1.5L 4cyl Turbo 9A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$693$714$735$757$780$3,679
Maintenance$1,911$748$753$312$2,328$6,052
Repairs$443$516$599$696$807$3,061
Taxes & Fees$1,358$35$35$35$35$1,498
Financing$1,228$992$736$462$168$3,586
Depreciation$3,373$1,928$2,016$3,142$1,489$11,948
Fuel$1,731$1,783$1,836$1,892$1,948$9,190
True Cost to Own®$10,737$6,716$6,710$7,296$7,555$39,014
Selected Model:

2021 Terrain SUV Denali 4dr SUV AWD (1.5L 4cyl Turbo 9A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$717$739$761$783$807$3,807
Maintenance$2,432$748$753$312$2,850$7,095
Repairs$443$516$599$696$807$3,061
Taxes & Fees$1,614$35$35$35$35$1,754
Financing$1,466$1,184$879$551$201$4,281
Depreciation$4,369$1,713$2,772$2,588$1,785$13,227
Fuel$1,731$1,783$1,836$1,892$1,948$9,190
True Cost to Own®$12,772$6,718$7,635$6,857$8,433$42,415
Selected Model:

2021 Terrain SUV Denali 4dr SUV (1.5L 4cyl Turbo 9A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$707$728$750$773$796$3,754
Maintenance$2,408$729$669$293$2,813$6,912
Repairs$412$480$558$647$752$2,849
Taxes & Fees$1,535$35$35$35$35$1,675
Financing$1,393$1,123$835$524$190$4,065
Depreciation$5,222$2,207$2,790$1,634$1,037$12,890
Fuel$1,608$1,656$1,706$1,757$1,810$8,537
True Cost to Own®$13,285$6,958$7,343$5,663$7,433$40,682
Selected Model:

2021 Terrain SUV SL 4dr SUV (1.5L 4cyl Turbo 9A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$653$673$693$714$735$3,468
Maintenance$1,800$729$669$293$2,206$5,697
Repairs$412$480$558$647$752$2,849
Taxes & Fees$1,167$35$35$35$35$1,307
Financing$1,051$848$630$395$144$3,068
Depreciation$3,013$1,520$1,494$1,707$2,027$9,761
Fuel$1,668$1,718$1,770$1,823$1,877$8,856
True Cost to Own®$9,764$6,003$5,849$5,614$7,776$35,006

*Based on a 5-year estimate with 15,000 miles driven per year.

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True Cost To Own®

Edmunds.com's True Cost to Own® (TCO®) is proprietary data that helps you estimate the total five-year cost of buying and owning a vehicle — including some items you may not have taken into consideration. A benefit of using our TCO® tool is that you can easily compare the five-year totals for different vehicles and make a more informed choice.


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  • 6 Colors
  • 3 Trims
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  • $41,100starting MSRP
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*The Manufacturer’s Suggested Retail Price excludes destination freight charge, tax, title, license, dealer fees, and optional equipment. Dealer sets final price. Click here to see all GMC vehicles’ destination freight charges.