1. Vehicles
  2. GMC
  3. Sierra 1500
  4. 2007 Model Year

2007 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 ...

Full Bio →

Written by

UPDATED: Nov 30, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2007 GMC Sierra are $1,056 a year including full coverage. Comprehensive costs around $176, collision insurance costs $248, and liability coverage costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,278. Teenage drivers receive the highest rates at up to $4,226 a year.

Annual premium for full coverage: $1,056

Rate estimates for 2007 GMC Sierra Insurance

Comprehensive $176
Collision $248
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2007 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 middle-aged driver, prices range range from as low as $522 for a discount liability-only rate to a much higher rate of $2,278 for a high risk driver.

Liability Only $522
Full Coverage $1,056
High Risk $2,278

View Chart as Image

2007 GMC Sierra insurance rates compared
Column chart showing 2007 GMC Sierra insurance prices range from $636 to $4,226 for full coverage

These differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using average rates.

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 2007 GMC Sierra Insurance

Searching Companies

Looking for lower insurance rates for your GMC Sierra 1500? Feel like you’re a prisoner to overpriced insurance? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

Consumers have many insurers to insure vehicles with, and although it’s nice to be able to choose, too many choices makes it more difficult to compare rates and cut insurance costs.

It is always a good idea to get comparison quotes once or twice a year because insurance rates fluctuate regularly. Just because you had the lowest price on Sierra insurance six months ago you can probably find a better price now. Forget all the misinformation about insurance because we’re going to demonstrate how to use online quotes to get good coverage at a lower rate.

Quick Car Insurance Quotes

There are several ways to shop for GMC Sierra 1500 car insurance, but some are less labor-intensive and much quicker. You could spend the better part of a day talking to insurance agencies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Most major companies take part in a program that enables customers to submit their information once, and each company provides a quote. This eliminates the need for quote requests to each individual car insurance company.

To compare 2007 GMC Sierra 1500 rates using this form now click here to open in new window.

One minor caviat to comparing rates this way is you don’t know exactly which carriers to get quotes from. So if you prefer to pick from a list of companies to compare, we have a listing of companies who write car insurance in your area.

It doesn’t matter which method you choose, just make darn sure you compare the exact same coverage information for every quote you compare. If you use different liability limits you will not be able to determine which rate is truly the best. Quoting even small variations in insurance coverages can result in a big premium difference. And when comparison shopping, quoting more helps you find a lower rate.

How much can you save with these five discounts?

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find auto insurance savings.

  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
  • No Accidents – Good drivers with no accidents can save substantially when compared to frequent claim filers.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy qualifies for this discount.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies who might offer these benefits are:

  • American Family
  • Nationwide
  • MetLife
  • 21st Century
  • Farmers Insurance
  • Allstate

Before buying, ask each company how you can save money. Some discounts may not apply in your state.

How much car insurance do I need?

When choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Is my cargo covered for damage or theft?
  • Who is covered when they drive my 2007 GMC Sierra 1500?
  • I have a DUI can I still get coverage?
  • What is high-risk coverage and where do I buy it?
  • What companies insure drivers after a DUI or DWI?
  • How do I insure my teen driver?
  • Is my nanny covered when driving my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverages 101

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average car insurance policy.

Collision coverage

This covers damage to your Sierra 1500 caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, crashing into a building, sideswiping another vehicle, backing into a parked car and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like X-ray expenses, hospital visits, chiropractic care, prosthetic devices and EMT expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like falling objects, hitting a bird, fire damage and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your GMC Sierra 1500.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Auto liability insurance

Liability insurance provides protection from damage that occurs to other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage protects against things like loss of income, medical services, emergency aid, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Rates by U.S. City

2007 GMC Sierra Insurance Rates by City
City Premium
New York City, NY $1,671
Los Angeles, CA $1,809
Philadelphia, PA $1,414
Jacksonville, FL $1,534
Phoenix, AZ $1,226
Chicago, IL $1,418
Houston, TX $1,656
Seattle, WA $1,031
Columbus, OH $883
Indianapolis, IN $899

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2007 GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $4,226
20 $2,420
30 $1,078
40 $1,056
50 $970
60 $950

Full coverage, $500 deductibles

Rates by Deductible

2007 GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,242
$250 $1,158
$500 $1,056
$1,000 $960

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,056
50/100 $1,151
100/300 $1,269
250/500 $1,577
100 CSL $1,198
300 CSL $1,459
500 CSL $1,649

Full coverage, driver age 40

Rates for High Risk Drivers

2007 GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $5,962
20 $3,862
30 $2,300
40 $2,278
50 $2,180
60 $2,156

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 $143

Potential Rate Discounts

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

Discount Savings
Multi-policy $54
Multi-vehicle $57
Homeowner $18
5-yr Accident Free $66
5-yr Claim Free $67
Paid in Full/EFT $39
Advance Quote $47
Online Quote $72
Total Discounts $420
Rate after discounts $636

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

Find companies with the cheapest rates in your area

2007 GMC Sierra Insurance Rates by State
State Premium
Alabama $956
Alaska $810
Arizona $876
Arkansas $1,056
California $1,206
Colorado $1,010
Connecticut $1,088
Delaware $1,198
Florida $1,322
Georgia $976
Hawaii $758
Idaho $714
Illinois $788
Indiana $796
Iowa $714
Kansas $1,006
Kentucky $1,444
Louisiana $1,564
Maine $654
Maryland $872
Massachusetts $846
Michigan $1,836
Minnesota $884
Mississippi $1,266
Missouri $936
Montana $1,136
Nebraska $834
Nevada $1,268
New Hampshire $762
New Jersey $1,182
New Mexico $936
New York $1,114
North Carolina $610
North Dakota $866
Ohio $730
Oklahoma $1,088
Oregon $968
Pennsylvania $1,010
Rhode Island $1,410
South Carolina $958
South Dakota $894
Tennessee $926
Texas $1,274
Utah $782
Vermont $724
Virginia $634
Washington $818
West Virginia $968
Wisconsin $732
Wyoming $944

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles