GMC Sierra Insurance Rates

Estimated insurance rates for a GMC Sierra are $1,310 a year with full coverage. Comprehensive costs around $250, collision insurance costs $446, and liability costs around $456. A liability-only policy costs as low as $508 a year, and high-risk insurance costs around $2,842. Teens pay the most at up to $5,026 a year.

Average premium for full coverage: $1,310

Premium estimates for type of coverage:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different Sierra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below details average GMC Sierra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $760
• Using higher $1,000 deductibles will save about $158 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,310
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,618
• High-risk insureds with serious driving violations could pay at least $2,842
• An auto insurance policy that insures a 16-year-old driver with full coverage can be $5,026 or more

View Chart as Image

Auto insurance prices for a GMC Sierra also have a wide range based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,600 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can be from 44% to 136% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on GMC Sierra insurance prices. A driver around age 40 might see prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost GMC Sierra Insurance

Finding better rates on insurance for a GMC Sierra requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare rates every couple of years by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

Below is a review of the material that was touched on in the above illustrations.

• Insureds who may need higher levels of liability will pay approximately $500 every year to increase from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers are expensive to insure, possibly costing $419 per month if the policy includes full coverage
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,530 more every year for auto insurance
• Increasing policy deductibles can save approximately $475 each year