GMC Canyon Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 17, 2024
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The average auto insurance rates for a GMC Canyon are $968 annually for full coverage insurance. Comprehensive costs on average $146 a year, collision costs $190, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,084. Teens cost the most to insure at $3,952 a year or more.
Average premium for full coverage: $968
Policy rates by type of insurance:
Includes $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Canyon trim levels.
Price Range Variability
For the normal driver, GMC Canyon insurance rates go from as cheap as $522 for just liability insurance to a high of $2,084 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion.
The diagram below illustrates how geographic area affects car insurance rates.
The examples above illustrate why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on averaged prices.
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.
More Rate Details
The chart below illustrates estimated GMC Canyon insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $589
- Using higher $1,000 deductibles will save around $890 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $968
- Selecting low $100 deductibles for physical damage coverage will cost $1,114
- Drivers with serious driving violations could pay upwards of $2,084 or more
- Policy cost with full coverage for a teen driver may cost $3,952 or more
Auto insurance rates for a GMC Canyon also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
Older drivers with a good driving record and high physical damage deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $3,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 138% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $230 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on GMC Canyon insurance rates. A driver around age 40 might see rates as low as $640 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,310 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $876 | -$92 | -9.5% |
| Alaska | $742 | -$226 | -23.3% |
| Arizona | $804 | -$164 | -16.9% |
| Arkansas | $968 | -$0 | 0.0% |
| California | $1,102 | $134 | 13.8% |
| Colorado | $926 | -$42 | -4.3% |
| Connecticut | $996 | $28 | 2.9% |
| Delaware | $1,098 | $130 | 13.4% |
| Florida | $1,212 | $244 | 25.2% |
| Georgia | $892 | -$76 | -7.9% |
| Hawaii | $694 | -$274 | -28.3% |
| Idaho | $652 | -$316 | -32.6% |
| Illinois | $720 | -$248 | -25.6% |
| Indiana | $728 | -$240 | -24.8% |
| Iowa | $652 | -$316 | -32.6% |
| Kansas | $920 | -$48 | -5.0% |
| Kentucky | $1,322 | $354 | 36.6% |
| Louisiana | $1,432 | $464 | 47.9% |
| Maine | $598 | -$370 | -38.2% |
| Maryland | $796 | -$172 | -17.8% |
| Massachusetts | $774 | -$194 | -20.0% |
| Michigan | $1,682 | $714 | 73.8% |
| Minnesota | $810 | -$158 | -16.3% |
| Mississippi | $1,158 | $190 | 19.6% |
| Missouri | $858 | -$110 | -11.4% |
| Montana | $1,038 | $70 | 7.2% |
| Nebraska | $762 | -$206 | -21.3% |
| Nevada | $1,162 | $194 | 20.0% |
| New Hampshire | $698 | -$270 | -27.9% |
| New Jersey | $1,082 | $114 | 11.8% |
| New Mexico | $858 | -$110 | -11.4% |
| New York | $1,020 | $52 | 5.4% |
| North Carolina | $558 | -$410 | -42.4% |
| North Dakota | $794 | -$174 | -18.0% |
| Ohio | $668 | -$300 | -31.0% |
| Oklahoma | $996 | $28 | 2.9% |
| Oregon | $886 | -$82 | -8.5% |
| Pennsylvania | $926 | -$42 | -4.3% |
| Rhode Island | $1,290 | $322 | 33.3% |
| South Carolina | $876 | -$92 | -9.5% |
| South Dakota | $818 | -$150 | -15.5% |
| Tennessee | $848 | -$120 | -12.4% |
| Texas | $1,166 | $198 | 20.5% |
| Utah | $716 | -$252 | -26.0% |
| Vermont | $664 | -$304 | -31.4% |
| Virginia | $580 | -$388 | -40.1% |
| Washington | $748 | -$220 | -22.7% |
| West Virginia | $886 | -$82 | -8.5% |
| Wisconsin | $672 | -$296 | -30.6% |
| Wyoming | $864 | -$104 | -10.7% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company calculates rates differently, and quoted rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Canyon SLE Regular Cab 2WD | $916 | $76 |
| GMC Canyon SLE Ext Cab 2WD | $936 | $78 |
| GMC Canyon SLE Ext Cab Z71 2WD | $936 | $78 |
| GMC Canyon SLE Crew Cab 2WD | $954 | $80 |
| GMC Canyon SLE Crew Cab Z71 2WD | $974 | $81 |
| GMC Canyon SLE Regular Cab 4WD | $926 | $77 |
| GMC Canyon SLT Ext Cab 2WD | $974 | $81 |
| GMC Canyon SLE Ext Cab 4WD | $944 | $79 |
| GMC Canyon SLT Crew Cab 2WD | $992 | $83 |
| GMC Canyon SLE Ext Cab Z71 4WD | $962 | $80 |
| GMC Canyon SLE Crew Cab 4WD | $982 | $82 |
| GMC Canyon SLE Crew Cab Z71 4WD | $1,000 | $83 |
| GMC Canyon SLT Crew Cab 4WD | $1,000 | $83 |
| GMC Canyon SLT Ext Cab 4WD | $1,000 | $83 |
Rates assume 2011 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 Canyon | $270 | $478 | $398 | $1,304 |
| 2023 GMC Canyon | $260 | $466 | $416 | $1,300 |
| 2022 GMC Canyon | $250 | $446 | $430 | $1,284 |
| 2021 GMC Canyon | $238 | $430 | $442 | $1,268 |
| 2020 GMC Canyon | $228 | $400 | $452 | $1,238 |
| 2019 GMC Canyon | $218 | $376 | $456 | $1,208 |
| 2018 GMC Canyon | $210 | $338 | $460 | $1,166 |
| 2017 GMC Canyon | $196 | $310 | $460 | $1,124 |
| 2016 GMC Canyon | $190 | $292 | $464 | $1,104 |
| 2015 GMC Canyon | $184 | $272 | $474 | $1,088 |
| 2012 GMC Canyon | $156 | $210 | $474 | $998 |
| 2011 GMC Canyon | $146 | $190 | $474 | $968 |
| 2010 GMC Canyon | $142 | $170 | $468 | $938 |
| 2006 GMC Canyon | $120 | $144 | $442 | $864 |
Rates are averaged for all GMC Canyon 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 Cheapest GMC Canyon Insurance
Finding cheaper rates on GMC Canyon insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates at every other renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following is a recap of the concepts that were presented in the illustrations above.
- High-risk drivers that have major violations or accidents may pay on average $1,120 more each year for Canyon insurance
- Teens are charged the highest rates, possibly costing $329 each month if full coverage is included
- It is possible to save as much as $110 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $225 each year
- It is possible to save as much as $110 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,952 |
| 20 | $2,216 |
| 30 | $980 |
| 40 | $968 |
| 50 | $890 |
| 60 | $870 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,114 |
| $250 | $1,048 |
| $500 | $968 |
| $1,000 | $890 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $968 |
| 50/100 | $1,095 |
| 100/300 | $1,213 |
| 250/500 | $1,521 |
| 100 CSL | $1,142 |
| 300 CSL | $1,403 |
| 500 CSL | $1,593 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,556 |
| 20 | $3,536 |
| 30 | $2,096 |
| 40 | $2,084 |
| 50 | $1,994 |
| 60 | $1,972 |
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 | $49 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $34 |
| Advance Quote | $42 |
| Online Quote | $65 |
| Total Discounts | $379 |
Discounts are estimated and may not be available from every company or in every state.
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