2026 GMC Terrain: real cost in Ontario
See the Terrain on GMC's site ↗Prices read 2026-11-07
Cheapest trim, Elevation FWD · Toronto · age 35–59 · 6 years · 18,000 km a yearChange
Sticker$36,199the advertised price
Drive away$44,457with fees and HST
Loan payment$663/mo72-month loan at 6.5%, $5,000 down
True cost$1,094/moeverything, after resale
$44,457 to drive away + $52,048 to run it for 6 years − $17,738 back at resale = $78,767, or $1,094 a month.
Where the money goes
Drive away$44,457
Running it, 6 yrs+$52,048
Back at resale−$17,738
Sticker pricethe advertised MSRP
+$36,199Feesfreight $2,300 · dealer $699 · levies $145
+$3,144HST, 13%Ontario
+$5,115Fuel18,000 km a year at 8.8 L/100 km
+$14,731Insuranceestimate, age 35–59, Toronto
+$12,274Lost return on your money5% a year on the down payment and each payment
+$9,313Loan interest6.5% over 72 months
+$8,298Maintenanceestimate
+$7,340Registration and plates6 years in Ontario
+$91Resale after 6 years49% of MSRP, you get this back
−$17,738True cost $78,767 ÷ 72 months$1,094 a month
The car
Size and space
Seats5
Cargo844 Lbehind row 2
Ground clearance15 cm
Engine and fuel
Engine175 hp gas, FWD, AWD
0–100 km/h8.1–8.6 sour estimate from power and weight
Fuel use8.8–9.5 L/100 kmNatural Resources Canada
TowingUp to 1,500 lb
Tires16" or 17"by trim
Safety and cover
US crash test✓ 5 of 5 starsNHTSA · see the test ↗
Insurance claimsAbove averagecollision 112 · theft 71 · injury 50 (100 = avg)
Resale at 6 years49% of MSRPaverage for its type
Every trim
All trims: 175 hp, 5 seats.| Elevation FWD | $36,199 | $44,457 | $78,767 | ✓ $1,094/mo | — | 8.8 L/100 km | — No |
| Elevation AWD | $38,499 | $47,056 | $82,723 | $1,149/mo | — | 9.3 L/100 km | ✓ Yes |
| Elevation AWD | $38,949 | $47,791 | $84,019 | $1,167/mo | 1,500 | 9.5 L/100 km | ✓ Yes |
| AT4 | $44,199 | $53,497 | $89,875 | $1,248/mo | — | 9.4 L/100 km | ✓ Yes |
| AT4 | $44,849 | $54,458 | $91,228 | $1,267/mo | 1,500 | 9.5 L/100 km | ✓ Yes |
| Denali | $50,099 | $60,164 | $97,088 | $1,348/mo | — | 9.4 L/100 km | ✓ Yes |
| Denali | $50,649 | $61,012 | $98,330 | $1,366/mo | 1,500 | 9.5 L/100 km | ✓ Yes |
Elevation FWD
✓ $1,094/mo
True cost
Elevation AWD
$1,149/mo
True cost
Elevation AWD
$1,167/mo
True cost
AT4
$1,248/mo
True cost
AT4
$1,267/mo
True cost
Denali
$1,348/mo
True cost
Denali
$1,366/mo
True cost
Features, trim by trim
Cheapest on the left. Each bar starts at the trim that adds it. + $ is the cheapest factory option or package that adds it (hover for its name).Feature
Elevation FWD$36,199
Elevation AWD$38,499
Elevation AWD$38,949
AT4$44,199
AT4$44,849
Denali$50,099
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Rear cross-traffic alert
✓ Every trim
Adaptive cruise
✓ Every trim
360° camera
+ $1,295
+ $1,435
+ $1,150
+ $1,285
✓ from Denali
Parking sensors
✓ Every trim
Comfort
Heated seats
✓ Every trim
Cooled seats
+ $1,195
+ $1,365
+ $1,195
+ $1,365
✓ from Denali
Heated steering wheel
✓ Every trim
Heated rear seats
+ $1,195
+ $1,365
+ $1,195
+ $1,365
✓ from Denali
Dual-zone climate
+ $3,595
✓ from AT4
Convenience
Push-button start
✓ Every trim
Remote start
✓ Every trim
Power liftgate
+ $3,595
✓ from AT4
Wireless phone charging
+ $3,595
✓ from AT4
Power driver's seat
+ $1,195
+ $1,365
✓ from AT4
Memory seat
+ $1,195
+ $1,365
+ $1,195
+ $1,365
✓ from Denali
Tech and audio
Apple CarPlay and Android Auto
✓ Every trim
Wireless CarPlay
✓ Every trim
Built-in navigation
✓ Every trim
Large touchscreen (12 in+)
✓ Every trim
Capability and looks
AWD or 4WD
✓ from Elevation AWD
Tow hitch included
+ $1,080
+ $1,290
✓ from AT4
Sunroof
+ $1,895
✓ from Denali
Panoramic roof
+ $1,895
✓ from Denali
LED headlights
✓ Every trim
Not listed on any trimLane centeringHands-free drivingMassaging seatsPremium sound systemHead-up display
Full standard equipment on the Elevation FWD (103 items)
- Heated driver and front passenger seats
- Drive Mode Selector
- Heated steering wheel
- 15" diagonal GMC Premium Infotainment System with available Google built-in
- Driver Convenience Package
- 1.5L Turbo 4-cylinder engine
- Continuous Variable Transmission (CVT)
- 5.81 axle ratio
- E15 fuel capable
- Automatic Stop/Start
- Front-wheel drive
- Battery, 70AH, 12V, 760 cold-cranking amps
- 130-amp alternator
- Suspension, front, MacPherson strut and rear 4-link
- 4,630 lbs. GVWR
- 4-wheel antilock disc brakes, 16" front and rear
- Brake rotors with FNC
- Brake lining wear indicator
- Capless fuel fill
- Single-outlet exhaust
- Mechanical jack with tools
- Infotainment, High
- Google built-in compatibility
- 6-speaker audio system
- SiriusXM with 360L Trial Subscription
- Wi-Fi Hotspot capable
- 5G vehicle connectivity
- Wireless Apple CarPlay/Wireless Android Auto capability for compatible phones
- Active Noise Cancellation
- Front bucket seats
- Seat trim, Premium Cloth
- 6-way manual driver seat
- 4-way manual front passenger seat
- 2-way adjustable rear centre headrests
- Rear centre armrest
- Carpeted load floor
- Front carpeted floor mats
- Rear carpeted floor mats
- Sport-style steering wheel
- Speedometer, miles/kilometres
- Driver Information Centre
- Power windows with driver express-up/down and front passenger express-down
- Keyless Open and Start
- Remote panic alarm
- Remote Start
- Adaptive Cruise Control
- 12-volt auxiliary cargo area power outlet
- USB ports
- USB ports, 2, one type A and one type-C, data/charge, located in the front area of the centre console
- Single-zone automatic climate control
- Rear air vents
- Cabin Air Filter
- Inside rearview manual day/night mirror
- Driver and front passenger visors with illuminated mirrors
- Driver seatback map pocket
- Front passenger seatback map pocket
- 17" Grazen metallic machined-face aluminum wheels
- 17" all-season blackwall tires
- 17" compact spare wheel
- 17" compact spare tire
- Shutters, front upper and lower grille, active
- LED headlamps
- IntelliBeam, automatic high beam on/off
- LED tail lamps
- Deep-tinted rear glass
- Solar-absorbing windows, rear side
- Heated power outside mirrors
- High gloss Black mirror caps
- Body-colour door handles
- Manual liftgate
- Enhanced Automatic Emergency Braking
- Intersection Automatic Emergency Braking
- Rear Cross Traffic Braking
- Reverse Automatic Braking
- Front Pedestrian and Bicyclist Braking
- Airbag system
- Passenger Sensing System
- OnStar services capable
- OnStar Basics
- Rear Park Assist
- HD Rear Vision Camera
- Blind Zone Steering Assist
- Side Bicyclist Alert
- Lane Keep Assist with Lane Departure Warning
- Forward Collision Alert
- Safety Alert Seat
- Following Distance Indicator
- Seat belts, 3-point, driver and front passenger
- Seat belt DLT, front
- Seat Belt Adjustable Guide Loops, front row
- Seat belt pretensioners, front
- Seat belt restraint pretensioner, rear
- Restraint provision-retractor, automatic locking
- Buckle to Drive
- Teen Driver
- Automatic Occupant Sensing display
- Occupant Presence Detection
- Rear Seat Reminder
- Vehicle health management
- New Vehicle Limited Warranty
- Corrosion Protection
- Powertrain Limited Warranty
- Roadside Assistance Program
Recalls in Canada
1 Transport Canada recall for 2025 to 2027 Terrain models. Most are fixed free by a dealer; a new car should have them done before delivery. Ask the dealer to check the VIN.
Quick answers
- How much is a 2026 Terrain in Ontario?
- $44,457 to drive away for the Elevation FWD, from a $36,199 sticker.
- What does it cost a month?
- A $663 loan payment, about $1,142 a month with insurance, fuel and upkeep ($5,000 down); about $1,094 a month all in, after resale.
- How much can it tow?
- From 1,500 lb to 1,500 lb, depending on the trim.
Colours
Summit WhiteRapids Metallic+$495Ebony Twilight Metallic+$495Riverstone Metallic+$495Sterling Metallic+$495Volcanic Red Tintcoat+$595Downpour Metallic+$495Glacier White Tricoat+$1,195
Similar SUVs
Prices from GMC's Ontario build-and-price page, read 2026-11-07. Insurance and maintenance are estimates. How we count.