GMC Sierra Insurance Rates
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UPDATED: Jun 6, 2024
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Average auto insurance rates for a GMC Sierra are $1,310 annually for full coverage. Comprehensive costs an estimated $250 each year, collision costs $446, and liability insurance is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $2,842. 16-year-old drivers receive the highest rates at $5,026 a year or more.
Average premium for full coverage: $1,310
Rate estimates broken down by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Sierra models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $508 for your basic liability-only policy to a high rate of $2,842 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on insurance prices.
These examples show why all drivers should get quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated GMC Sierra insurance rates for other coverage scenarios.
- The best full coverage rate is $760
- Choosing higher $1,000 deductibles can save approximately $158 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,310
- Buying low deductibles for comp and collision coverage will cost $1,618
- High-risk insureds with multiple tickets or accidents could pay up to $2,842 or more
- The cost with full coverage for a teen driver can cost as much as $5,026 each year
Car insurance rates for a GMC Sierra can also vary considerably based on the trim level of your Sierra, your driver profile, and liability limits and deductibles.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $470 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for GMC Sierra insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,870 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,186 | -$124 | -9.5% |
| Alaska | $1,006 | -$304 | -23.2% |
| Arizona | $1,088 | -$222 | -16.9% |
| Arkansas | $1,310 | -$0 | 0.0% |
| California | $1,494 | $184 | 14.0% |
| Colorado | $1,252 | -$58 | -4.4% |
| Connecticut | $1,346 | $36 | 2.7% |
| Delaware | $1,484 | $174 | 13.3% |
| Florida | $1,640 | $330 | 25.2% |
| Georgia | $1,208 | -$102 | -7.8% |
| Hawaii | $942 | -$368 | -28.1% |
| Idaho | $886 | -$424 | -32.4% |
| Illinois | $976 | -$334 | -25.5% |
| Indiana | $986 | -$324 | -24.7% |
| Iowa | $884 | -$426 | -32.5% |
| Kansas | $1,244 | -$66 | -5.0% |
| Kentucky | $1,788 | $478 | 36.5% |
| Louisiana | $1,940 | $630 | 48.1% |
| Maine | $810 | -$500 | -38.2% |
| Maryland | $1,080 | -$230 | -17.6% |
| Massachusetts | $1,048 | -$262 | -20.0% |
| Michigan | $2,278 | $968 | 73.9% |
| Minnesota | $1,096 | -$214 | -16.3% |
| Mississippi | $1,568 | $258 | 19.7% |
| Missouri | $1,162 | -$148 | -11.3% |
| Montana | $1,408 | $98 | 7.5% |
| Nebraska | $1,032 | -$278 | -21.2% |
| Nevada | $1,572 | $262 | 20.0% |
| New Hampshire | $944 | -$366 | -27.9% |
| New Jersey | $1,464 | $154 | 11.8% |
| New Mexico | $1,160 | -$150 | -11.5% |
| New York | $1,380 | $70 | 5.3% |
| North Carolina | $756 | -$554 | -42.3% |
| North Dakota | $1,072 | -$238 | -18.2% |
| Ohio | $904 | -$406 | -31.0% |
| Oklahoma | $1,346 | $36 | 2.7% |
| Oregon | $1,200 | -$110 | -8.4% |
| Pennsylvania | $1,250 | -$60 | -4.6% |
| Rhode Island | $1,748 | $438 | 33.4% |
| South Carolina | $1,186 | -$124 | -9.5% |
| South Dakota | $1,104 | -$206 | -15.7% |
| Tennessee | $1,146 | -$164 | -12.5% |
| Texas | $1,578 | $268 | 20.5% |
| Utah | $970 | -$340 | -26.0% |
| Vermont | $898 | -$412 | -31.5% |
| Virginia | $786 | -$524 | -40.0% |
| Washington | $1,012 | -$298 | -22.7% |
| West Virginia | $1,200 | -$110 | -8.4% |
| Wisconsin | $908 | -$402 | -30.7% |
| Wyoming | $1,168 | -$142 | -10.8% |
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra SLE Regular Cab 2WD | $1,208 | $101 |
| GMC Sierra SL Extended Cab 2WD | $1,244 | $104 |
| GMC Sierra SLE Crew Cab 2WD | $1,244 | $104 |
| GMC Sierra SL Crew Cab 2WD | $1,278 | $107 |
| GMC Sierra SLE Crew Cab 2WD | $1,278 | $107 |
| GMC Sierra SLE Extended Cab 4WD | $1,278 | $107 |
| GMC Sierra SLE Regular Cab 4WD | $1,278 | $107 |
| GMC Sierra SLT Extended Cab 2WD | $1,310 | $109 |
| GMC Sierra SL Crew Cab 4WD | $1,310 | $109 |
| GMC Sierra SLE Crew Cab 4WD | $1,310 | $109 |
| GMC Sierra SLT Crew Cab 2WD | $1,344 | $112 |
| GMC Sierra SLT Extended Cab 4WD | $1,344 | $112 |
| GMC Sierra Denali Crew Cab 2WD | $1,378 | $115 |
| GMC Sierra SLT Crew Cab 4WD | $1,378 | $115 |
| GMC Sierra Denali Crew Cab 4WD | $1,410 | $118 |
Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Sierra | $336 | $594 | $372 | $1,460 |
| 2023 GMC Sierra | $320 | $570 | $390 | $1,438 |
| 2022 GMC Sierra | $306 | $566 | $398 | $1,428 |
| 2021 GMC Sierra | $296 | $552 | $416 | $1,422 |
| 2020 GMC Sierra | $286 | $530 | $430 | $1,404 |
| 2019 GMC Sierra | $270 | $512 | $442 | $1,382 |
| 2018 GMC Sierra | $260 | $474 | $452 | $1,344 |
| 2017 GMC Sierra | $250 | $446 | $456 | $1,310 |
| 2013 GMC Sierra | $210 | $322 | $474 | $1,164 |
Rates are averaged for all GMC Sierra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Cheap GMC Sierra Insurance
Saving money on GMC Sierra insurance takes avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to compare rates at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a quick review of the concepts that were covered above.
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,530 more annually for car insurance
- Teenagers have the highest car insurance rates, costing as high as $419 per month if comprehensive and collision insurance is included
- Drivers can save approximately $160 per year simply by quoting online in advance
- Increasing deductibles could save up to $475 each year
- Drivers can save approximately $160 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,026 |
| 20 | $3,030 |
| 30 | $1,356 |
| 40 | $1,310 |
| 50 | $1,198 |
| 60 | $1,174 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,618 |
| $250 | $1,474 |
| $500 | $1,310 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,310 |
| 50/100 | $1,501 |
| 100/300 | $1,615 |
| 250/500 | $1,912 |
| 100 CSL | $1,547 |
| 300 CSL | $1,798 |
| 500 CSL | $1,980 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,150 |
| 20 | $4,828 |
| 30 | $2,890 |
| 40 | $2,842 |
| 50 | $2,716 |
| 60 | $2,692 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $85 |
| Paid in Full/EFT | $57 |
| Advance Quote | $63 |
| Online Quote | $92 |
| Total Discounts | $550 |
Discounts are estimated and may not be available from every company or in every state.
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