What is the best year for a GMC Terrain?

The weakest years by those same measures are 2021, 2025, and 2026 — worth closer inspection before buying, not an automatic pass. Verdict: no standout year — any of the stronger years is a reasonable buy.

How much does GMC Terrain insurance cost?

Full-coverage insurance for the GMC Terrain averages $2,011 a year, about $168 a month (industry average). That is less than the compact segment average of $2,056. Actual rates vary by trim, location, and driving record — compare quotes before buying.

Is the GMC Terrain or Chevrolet Equinox cheaper to maintain?

Maintenance runs $558 a year on the GMC Terrain versus $537 on the Chevrolet Equinox. Reliability scores are 7.0/10 and 7.0/10. Unscheduled repairs average 0.26 versus 0.31 times per year. Verdict: the Chevrolet Equinox is the cheaper of the two to run.

Should I buy an extended warranty for a GMC Terrain?

The chance of a major repair in a given year is 17%, so roughly 83 in 100 owners will not face one — above the compact segment norm of 11%. Reliability sits at 7.0/10. Verdict: optional — worth it only if you want predictable costs.

Is the Kia Sportage expensive to maintain?

The Sportage averages $462/year in maintenance — $59 below the compact segment average of $521. Repair frequency of 19% is well below the class average of 30% — owners visit for unscheduled repairs far less often than most rivals. Major repair probability of 11% is at the class average. Low cost and low visit frequency make it a strong ownership value.

What is the best year for a Kia Sportage?

The 2022 Sportage (42 complaints, 10/10 NHTSA safety, 6 severe) is the standout used pick — the mature end of the fourth generation before the 2023 redesign. The new fifth-generation launch in 2023 had 177 complaints but settled quickly to 62 in 2024 and 46 in 2025. Avoid 2012-2013 and 2017, which saw complaint spikes tied to the Theta II engine recall era.

How much does Kia Sportage insurance cost?

Sportage insurance averages around $1,997/year, or about $166/month.

Is the Kia Sportage or Toyota RAV4 cheaper to maintain?

The RAV4 is $33/year cheaper — $429 versus $462 for the Sportage. Both carry the same reliability score and major repair probability. The Sportage's repair frequency of 19% is significantly lower than the RAV4's 26%, meaning fewer unscheduled shop visits despite the slightly higher annual maintenance figure.

Should I buy an extended warranty for a Kia Sportage?

Major repair probability of 11% at the class average, repair frequency well below it. Low-risk ownership. Extended warranty isn't strongly warranted for 2021+ models. For 2012-2013 and 2017 used models with documented engine recall history, coverage is worth taking seriously.

GMC Terrain vs Kia Sportage

Two compact SUVs compared on the numbers that matter — maintenance cost, reliability, and insurance.

// VERDICT

Our verdict

Buy the GMC Terrain if its specific features or size suit your needs better.

Buy the Kia Sportage — lower 5-year cost and better reliability.

// COST HEAD TO HEAD

Maintenance and ownership cost

	GMC Terrain	Kia Sportage
Annual repairs	$558	$462winner
5-year repair cost	$2,790	$2,310winner
Scheduled service (to 150k mi)	$8,013winner	$19,276
Reliability score	7 / 10	8 / 10winner
Major repair risk (5yr)	17%	11%winner
Cargo space	63.5 cu ft	73.7 cu ftwinner
Starting price (new)	$32,200	$30,900winner

// RELIABILITY

Which is more reliable?

	GMC Terrain	Kia Sportage
RepairPal score	7 / 10	8 / 10winner
NHTSA complaints / 100k	219.5	178.7winner
Strongest years	2016, 2017, 2023	2019, 2021, 2024
Weakest years	2010, 2011, 2013	2010, 2012, 2013
Value retained · 3 yr	74.3%	75.7%winner
Value retained · 5 yr	55.1%	56.8%winner
Value retained · 7 yr	44%	45%winner

// COMMON PROBLEMS

What breaks — and what it costs

	GMC Terrain	Kia Sportage
Engine	43.4%winner	57.8%
Electrical	6.0%winner	6.2%
ADAS	5.6%winner	5.8%
Brakes	5.7%winner	8.4%
Steering	1.8%	1.6%winner
Fuel system	3.8%	1.1%winner
Glass/Windows	14.3%	2.7%winner
Airbags	5.5%	2.4%winner
Lighting	2.7%	1.0%winner

One major repair on either model can run $1,500–4,000. A warranty caps your exposure, especially on known problem years.

// INSURANCE

Which is cheaper to insure?

	GMC Terrain	Kia Sportage
Avg annual premium	$2,011	$1,997winner

// FULL MODEL PAGES

GAS

GMC Terrain

$558/yr maint · 7 reliability

Full model page

GAS

Kia Sportage

$462/yr maint · 8 reliability

Full model page

// FAQ

Common questions

The GMC Terrain averages $558 a year in maintenance. That is $37 above the compact segment average of $521. Owners bring it in for unscheduled repairs an average of 0.26 times per year, below the compact segment at 0.3. Its reliability score is 7.0/10. Verdict: costlier than the segment, budget accordingly.

How we calculated this. Repair costs, reliability scores, and maintenance schedules from RepairPal. Complaints and recalls from NHTSA. Fuel economy from the EPA and fuel prices from the EIA. Insurance averages from CarEdge. Pricing from KBB. Depreciation from iSeeCars. Full methodology →