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2005 GMC Sierra Insurance Rates

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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: Dec 1, 2021

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Average insurance rates for a 2005 GMC Sierra are $990 a year for full coverage insurance. Comprehensive insurance costs around $162 a year, collision costs $202, and liability costs around $468. Buying a liability-only policy costs as low as $518 a year, with high-risk insurance costing $2,130 or more. Teen drivers receive the highest rates at $4,004 a year or more.

Annual premium for full coverage: $990

Rate estimates for 2005 GMC Sierra Insurance

Comprehensive $162
Collision $202
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 $518 for basic liability insurance to a high of $2,130 for a driver who has had serious violations or accidents.

Liability Only $518
Full Coverage $990
High Risk $2,130

View Chart as Image

2005 GMC Sierra insurance rates compared
Column chart showing 2005 GMC Sierra insurance prices range from $603 to $4,004 for full coverage

These differences illustrate why it is important for drivers to compare prices for a specific zip code and risk profile, instead of making a decision based on 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 2005 GMC Sierra Insurance

Searching Companies

Searching for the cheapest auto insurance rates? Consumers have many options when looking for the best price on GMC Sierra 1500 insurance. They can either spend hours calling around getting price quotes or utilize the internet to compare rates. There is a better way to shop for auto insurance so you’re going to learn the proper way to price shop coverage on a GMC and obtain the lowest price from local insurance agents and online providers.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. Vehicle owners only need to know the proper way to get comparison rates on the web.

The easiest way to compare car insurance rates utilizes the fact most larger insurance companies have advanced systems to compare rate quotes. All consumers are required to do is provide details such as which vehicles you own, if you are currently licensed, any included safety features, and if the car is leased. The rating information is instantly submitted to multiple companies and they provide comparison quotes almost instantly.

To start a rate quote now, click here and find out if you can get cheaper insurance.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

For instance, these questions might point out if you would benefit from professional advice.

  • When can I cancel my policy?
  • Do all my vehicles need collision coverage?
  • Am I covered if I drive in a foreign country?
  • Do I need an umbrella policy?
  • Do I need rental car coverage?
  • Should I have a commercial auto policy?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

Car insurance coverage information

Understanding the coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your GMC Sierra 1500.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills for dental work, pain medications, funeral costs, EMT expenses and X-ray expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like court costs, legal defense fees, attorney fees, structural damage and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Collision protection

Collision coverage covers damage to your Sierra 1500 caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle, crashing into a building, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, falling objects, a tree branch falling on your vehicle and hail damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Rates by U.S. City

2005 GMC Sierra Insurance Rates by City
City Premium
New York City, NY $1,569
Los Angeles, CA $1,692
Philadelphia, PA $1,324
Jacksonville, FL $1,441
Phoenix, AZ $1,151
Chicago, IL $1,328
Houston, TX $1,552
Seattle, WA $965
Columbus, OH $830
Indianapolis, IN $843

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Rates by Driver Age

2005 GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $4,004
20 $2,262
30 $1,008
40 $990
50 $910
60 $892

Full coverage, $500 deductibles

Rates by Deductible

2005 GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,146
$250 $1,076
$500 $990
$1,000 $906

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $990
50/100 $1,084
100/300 $1,201
250/500 $1,505
100 CSL $1,130
300 CSL $1,388
500 CSL $1,575

Full coverage, driver age 40

Rates for High Risk Drivers

2005 GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $5,632
20 $3,606
30 $2,144
40 $2,130
50 $2,036
60 $2,014

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 $132

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $59
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $387
Rate after discounts $603

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

Find companies with the cheapest rates in your area

2005 GMC Sierra Insurance Rates by State
State Premium
Alabama $898
Alaska $762
Arizona $822
Arkansas $990
California $1,128
Colorado $948
Connecticut $1,020
Delaware $1,122
Florida $1,242
Georgia $914
Hawaii $712
Idaho $672
Illinois $738
Indiana $746
Iowa $666
Kansas $944
Kentucky $1,352
Louisiana $1,466
Maine $612
Maryland $816
Massachusetts $792
Michigan $1,722
Minnesota $828
Mississippi $1,188
Missouri $880
Montana $1,066
Nebraska $782
Nevada $1,188
New Hampshire $714
New Jersey $1,108
New Mexico $878
New York $1,046
North Carolina $570
North Dakota $812
Ohio $686
Oklahoma $1,018
Oregon $908
Pennsylvania $946
Rhode Island $1,322
South Carolina $898
South Dakota $836
Tennessee $870
Texas $1,194
Utah $734
Vermont $678
Virginia $594
Washington $766
West Virginia $908
Wisconsin $686
Wyoming $884

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