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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

$35,060*

Total Cash Price

$18,400

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

True Cost to Own

$37,770*

Total Cash Price

$20,281

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

True Cost to Own

$36,244*

Total Cash Price

$19,734

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

True Cost to Own

$37,246*

Total Cash Price

$18,981

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

True Cost to Own

$40,443*

Total Cash Price

$22,746

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

True Cost to Own

$40,067*

Total Cash Price

$23,927

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

True Cost to Own

$33,116*

Total Cash Price

$16,328

Ownership Costs: 5-Year Total

Depreciation

$11,225

Taxes & Fees

$220

Financing

$3,227

Fuel

$8,914

Insurance

$3,537

Repairs

$2,590

Maintenance

$5,347

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$666$686$707$728$750$3,537
Maintenance$1,721$658$607$264$2,097$5,347
Repairs$373$435$507$589$686$2,590
Taxes & Fees$60$40$40$40$40$220
Financing$1,106$892$662$416$151$3,227
Depreciation$3,180$1,677$2,026$2,965$1,377$11,225
Fuel$1,679$1,729$1,781$1,835$1,890$8,914
True Cost to Own®$8,785$6,117$6,330$6,837$6,991$35,060
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$691$712$733$755$778$3,669
Maintenance$2,016$676$682$282$2,403$6,059
Repairs$401$467$544$633$735$2,780
Taxes & Fees$60$40$40$40$40$220
Financing$1,219$983$730$459$166$3,557
Depreciation$3,207$1,982$2,480$2,918$1,646$12,233
Fuel$1,743$1,795$1,849$1,904$1,961$9,252
True Cost to Own®$9,337$6,655$7,058$6,991$7,729$37,770
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$684$705$726$747$770$3,632
Maintenance$1,993$658$607$264$2,369$5,891
Repairs$373$435$507$589$686$2,590
Taxes & Fees$60$40$40$40$40$220
Financing$1,186$956$711$446$162$3,461
Depreciation$2,898$2,003$2,118$2,975$1,862$11,856
Fuel$1,619$1,667$1,717$1,769$1,822$8,594
True Cost to Own®$8,813$6,464$6,426$6,830$7,711$36,244
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$678$698$719$741$763$3,599
Maintenance$1,744$676$682$282$2,131$5,515
Repairs$401$467$544$633$735$2,780
Taxes & Fees$60$40$40$40$40$220
Financing$1,140$921$683$429$156$3,329
Depreciation$2,850$1,753$2,272$3,287$2,389$12,551
Fuel$1,743$1,795$1,849$1,904$1,961$9,252
True Cost to Own®$8,616$6,350$6,789$7,316$8,175$37,246
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$712$733$755$778$801$3,779
Maintenance$2,232$676$682$282$2,619$6,491
Repairs$401$467$544$633$735$2,780
Taxes & Fees$60$40$40$40$40$220
Financing$1,367$1,102$820$514$186$3,989
Depreciation$5,270$1,857$2,354$2,254$2,197$13,932
Fuel$1,743$1,795$1,849$1,904$1,961$9,252
True Cost to Own®$11,785$6,670$7,044$6,405$8,539$40,443
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$702$723$745$767$790$3,727
Maintenance$2,209$658$607$264$2,585$6,323
Repairs$373$435$507$589$686$2,590
Taxes & Fees$60$40$40$40$40$220
Financing$1,438$1,160$861$541$197$4,197
Depreciation$5,535$2,189$2,070$2,086$2,536$14,416
Fuel$1,619$1,667$1,717$1,769$1,822$8,594
True Cost to Own®$11,936$6,872$6,547$6,056$8,656$40,067
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$611$629$648$668$688$3,244
Maintenance$1,641$658$607$264$2,017$5,187
Repairs$373$435$507$589$686$2,590
Taxes & Fees$60$40$40$40$40$220
Financing$981$792$588$369$134$2,864
Depreciation$3,167$1,345$1,528$1,903$2,154$10,097
Fuel$1,679$1,729$1,781$1,835$1,890$8,914
True Cost to Own®$8,512$5,628$5,699$5,668$7,609$33,116

*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
  • 5 Packages
  • $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.