GMC Sierra Insurance Rates

How much is a GMC Sierra 1500 insurance policy? The average GMC Sierra insurance rates are $1,460 a year, or $121 a month.

While the average insurance cost for a 2018 GMC Sierra may be slightly different than a 2016 GMC Sierra cost of insurance, vehicles’ rates shouldn’t vary drastically among model years. Read through our guide to learn how you can secure cheap car insurance rates for your GMC Sierra 1500.

To start saving on GMC Sierra insurance and to receive rates for insurance on GMC vehicles, enter your five-digit ZIP code into our free tool above.

U.S. average insurance prices for a GMC Sierra are $908 every 12 months for full coverage. Comprehensive insurance costs approximately $138 a year, collision insurance costs $170, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs $1,950 or more. Teens pay the highest rates at up to $3,718 a year.

Average premium for full coverage: $908

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Sierra trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance prices.

The ranges above show why it is important to compare rates quotes using their specific location and their own driving history, 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 shows average GMC Sierra insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $560
• Raising to $1,000 deductibles will save $836 a year
• The average price for the average middle-age driver who chooses $500 deductibles is $908
• Selecting low $100 deductibles costs an extra $132 annually
• Drivers with serious driving violations could pay around $1,950
• The price to insure a 16-year-old driver can cost $3,718

View Chart as Image

Auto insurance prices for a GMC Sierra are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Sierra.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $210 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,100 to $1,500 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 40% to 134% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on GMC Sierra insurance prices. A middle-age driver might find prices as low as $600 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 1991 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 Shop for Cheap GMC Sierra Insurance

Getting lower rates on insurance for a GMC Sierra consists of having a decent driving record, having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Invest the time to shop around at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief summary of the primary concepts that were illustrated above.

• Drivers can save around $100 per year just by quoting early and online
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,040 more per year than a driver with a clean driving record
• Increasing physical damage deductibles could save as much as $200 each year
• 16 to 18-year-old drivers have the highest car insurance prices, with premiums as much as $310 a month if comprehensive and collision insurance is included

The best way to save on the GMC truck cost of insurance is to shop online for quotes. If you haven’t bought a car yet, you can still shop for quotes to find out the GMC Sierra price range for different model years and trims, such as 2006 versus 2009 GMC Sierra trim levels.

Remember, the age of your model will impact your rates. But by how much for a GMC Sierra? The average insurance cost for a 2018 GMC Sierra will be few hundred dollars higher annually than the 2014 GMC Sierra costs.

If you are ready to start shopping around to find out answers to questions like how much does a 2014 GMC Sierra 1500 cost to insure in my area, or 2018 GMC Sierra costs, enter your ZIP code in our free tool below.

What are the safety ratings of the GMC Sierra 1500?

It is easier to find cheap insurance for a GMC Sierra 1500 if the GMC Sierra 1500’s safety ratings and features are better than average. The GMC Sierra 1500 does have some great safety features, such as traction control, a blind-spot monitor, and cross-traffic alert.

The Insurance Institute for Highway Safety (IIHS) has also crash-tested the 2020 GMC Sierra 1500 pickup. Take a look at the resulting ratings below.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Marginal
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Good is the highest rating, so the GMC Sierra 1500 did well.

Check to the GMC Sierra 1500 crash test ratings as performed by the National Highway Traffic Safety Administration in the table below.

GMC Sierra 1500 Crash Test Ratings

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Over the years, the GMC Sierra performed well and never scored lower than 4-stars.

GMC Sierra 1500 Compared Against Other Vehicles in the Same Class

The GMC Sierra 1500 is a large pickup, which sometimes can mean higher liability rates, as larger cars can do more damages. Luckily, the IIHS rated the GMC Sierra 1500’s liability losses as average and better than average in comparison to other large pickups.

See the GMC Sierra 1500 insurance loss probability details in the table below.

GMC Sierra 1500 Insurance Loss Probability

The lower the number, the better the insurance loss ratio. For this vehicle, the collision loss ratios are substantially better than average. However, the property damage ratio is worse than average.

To see how the GMC Sierra’s 1500 rates compare to other large pickups, view the vehicles below.

• Chevrolet Silverado
• Ford F-150
• Nissan Titan

If you’re wondering how much does a GMC truck cost, expect to pay around $40,000 or less. How much does a 2014 GMC Sierra cost? Just under $30,000.

We hope you have a better idea of GMC Sierra’s price range for insurance.

To find out how much a GMC Sierra 1500 or other GMC truck will cost to insure in your area, just enter your five-digit ZIP code into our FREE online quote tool.

References

1. https://www.iihs.org/ratings/vehicle/gmc/sierra-1500-crew-cab-pickup/2020