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2004 GMC Sierra Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 30, 2021

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Average insurance rates for a 2004 GMC Sierra are $974 a year for full coverage insurance. Comprehensive insurance costs an estimated $158 a year, collision costs $198, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,092 or more. Teen drivers receive the highest rates at $3,940 a year or more.

Annual premium for full coverage: $974

Rate estimates for 2004 GMC Sierra Insurance

Comprehensive $158
Collision $198
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2004 GMC Sierra models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $510 for only liability insurance to a high of $2,092 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $974
High Risk $2,092

View Chart as Image

2004 GMC Sierra insurance rates compared
Column chart showing 2004 GMC Sierra insurance prices range from $596 to $3,940 for full coverage

These differences illustrate why it is important for drivers to compare prices for a targeted area and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2004 GMC Sierra Insurance

Searching Companies

Are you sick and tired of scraping the payment together to buy car insurance? You’re in the same situation as many other drivers.

Insurance companies such as Allstate, Liberty Mutual and State Farm continually bombard you with TV and radio ads and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.

How to save on GMC Sierra 1500 insurance

Companies don’t always list every discount in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
  • College Student – Any of your kids who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of more than 20%.
  • E-sign – A few companies may give you up to $50 just for signing your application digitally online.
  • No Accidents – Claim-free drivers pay much less compared to bad drivers.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.

It’s important to understand that most credits do not apply the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

Comparison of Insurance Coverage

There are several ways to compare GMC Sierra 1500 insurance coverage prices and some are less time-consuming than others. You could waste time talking to local insurance agents in your area, or you could save time and use the web to get rates in a matter of minutes.

Most of the best insurance companies take part in a program that allows shoppers to only type in their quote data once, and each participating company then gives them pricing based on that information. This prevents consumers from doing form submissions for each company.

The only downside to using this type of form is that you can’t choose which carriers to get quotes from.

Whichever method you choose, ensure you are comparing exactly the same coverages and limits with every price quote. If each company quotes mixed coverages it will be next to impossible to make an equal comparison. Just a small difference in coverage limits could mean much higher rates. Keep in mind that getting more free quotes will increase your chances of finding lower pricing.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does coverage extend to Mexico or Canada?
  • Do I need higher collision deductibles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I waive the damage coverage when renting a car?
  • When should I drop full coverage on my 2004 GMC Sierra 1500?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent.

Coverage specifics

Having a good grasp of auto insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.

Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like pain medications, rehabilitation expenses, chiropractic care, doctor visits and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision – Collision coverage covers damage to your Sierra 1500 from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, colliding with a tree, driving through your garage door, sideswiping another vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, hitting a deer, fire damage, damage from getting keyed and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your GMC Sierra 1500.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability car insurance – This will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like pain and suffering, bail bonds and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Make an honest buck

We just covered some good ideas how to reduce 2004 GMC Sierra 1500 insurance prices online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

The cheapest insurance can be found both online as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

For more information, take a look at the resources below:

Rates by U.S. City

2004 GMC Sierra Insurance Rates by City
City Premium
New York City, NY $1,539
Los Angeles, CA $1,665
Philadelphia, PA $1,302
Jacksonville, FL $1,415
Phoenix, AZ $1,134
Chicago, IL $1,307
Houston, TX $1,526
Seattle, WA $950
Columbus, OH $816
Indianapolis, IN $829

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $3,940
20 $2,226
30 $990
40 $974
50 $894
60 $874

Full coverage, $500 deductibles

Rates by Deductible

2004 GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,130
$250 $1,060
$500 $974
$1,000 $892

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $974
50/100 $1,066
100/300 $1,181
250/500 $1,480
100 CSL $1,112
300 CSL $1,365
500 CSL $1,549

Full coverage, driver age 40

Rates for High Risk Drivers

2004 GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $5,540
20 $3,542
30 $2,108
40 $2,092
50 $2,002
60 $1,982

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.

SR-22 Surcharge $129

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $49
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $58
5-yr Claim Free $61
Paid in Full/EFT $34
Advance Quote $42
Online Quote $65
Total Discounts $378
Rate after discounts $596

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2004 GMC Sierra Insurance Rates by State
State Premium
Alabama $882
Alaska $748
Arizona $810
Arkansas $974
California $1,110
Colorado $934
Connecticut $1,002
Delaware $1,104
Florida $1,220
Georgia $898
Hawaii $700
Idaho $660
Illinois $726
Indiana $734
Iowa $658
Kansas $926
Kentucky $1,330
Louisiana $1,442
Maine $602
Maryland $804
Massachusetts $780
Michigan $1,694
Minnesota $816
Mississippi $1,168
Missouri $864
Montana $1,046
Nebraska $768
Nevada $1,170
New Hampshire $702
New Jersey $1,092
New Mexico $864
New York $1,026
North Carolina $562
North Dakota $798
Ohio $674
Oklahoma $1,002
Oregon $894
Pennsylvania $930
Rhode Island $1,302
South Carolina $884
South Dakota $824
Tennessee $854
Texas $1,174
Utah $722
Vermont $668
Virginia $584
Washington $754
West Virginia $894
Wisconsin $676
Wyoming $870

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