GMC Sierra Insurance Rates
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UPDATED: Jun 6, 2024
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U.S. average auto insurance rates for a GMC Sierra are $1,310 annually for full coverage insurance. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $446, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, and high-risk coverage costs $2,842 or more. 16-year-old drivers pay the highest rates at up to $5,026 a year.
Average premium for full coverage: $1,310
Price estimates broken down by individual coverage:
Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Sierra trim levels.
Price Range from Low to High
For the average 40-year-old driver, GMC Sierra insurance prices range from as cheap as $508 for a discount liability-only rate to a high of $2,842 for high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. More rural locations have fewer physical damage claims than congested cities. The diagram below illustrates the difference location can make on insurance prices.
The ranges above illustrate why it is important to get quotes for a targeted area and their own personal driving habits, instead of using 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.
Rates by State, City, and Model
The chart below illustrates average GMC Sierra insurance rates for other coverage scenarios.
- The best full coverage rate is $760
- Choosing higher $1,000 deductibles can save approximately $1,152 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,310
- Buying low $100 deductibles for comp and collision coverage costs an additional $308 every year
- Unlucky drivers with multiple tickets or accidents could pay up to $2,842
- The price with full coverage for a teen driver can cost as much as $5,026 each year
Auto insurance prices for a GMC Sierra are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges as much as 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 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $411 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for GMC Sierra insurance prices. A good driver about age 40 could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,770 on average in Florida, New York, 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% |
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 GMC Sierra Insurance
Getting lower rates on car insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Make time to compare rates every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a brief recap of the material that was touched on in this article.
- Policyholders who want higher levels of liability will pay around $500 annually to raise limits from a low limit to higher 250/500 limits
- Teenage drivers are the costliest to insure, as much as $419 a month if full coverage is included
- Higher risk drivers who tend to receive serious violations may pay on average $1,530 more annually for auto insurance
- Increasing physical damage deductibles could save up to $475 each year
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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