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2009 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: Jun 13, 2015

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Average insurance rates for a 2009 GMC Sierra are $1,126 a year including full coverage. Comprehensive costs around $194 each year, collision costs $300, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,432. Teenage drivers receive the highest rates at $4,450 a year or more.

Annual premium for full coverage: $1,126

Rate estimates for 2009 GMC Sierra Insurance

Comprehensive $194
Collision $300
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 $522 for just liability insurance to a high rate of $2,432 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,126
High Risk $2,432

View Chart as Image

2009 GMC Sierra insurance rates compared
Column chart showing 2009 GMC Sierra insurance prices range from $670 to $4,450 for full coverage

These differences highlight why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on 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 2009 GMC Sierra Insurance

Searching Companies

Looking for the cheapest car insurance rates for your GMC Sierra 1500? Sick and tired of robbing Peter to pay Paul to buy car insurance? You are no different than many other drivers.

Insurance companies such as State Farm, GEICO and Farmers Insurance constantly blast consumers with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

It’s important to shop coverage around occasionally due to the fact that insurance rates are usually higher with each renewal. Even if you got the best rates for Sierra insurance a couple years back the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance online, so by reading this article, you’re going to learn some good information on how to slash your car insurance rates.

How to save on GMC Sierra 1500 insurance

Car insurance companies don’t always advertise all their discounts in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known savings tricks you should be using.

  • Memberships – Participating in a qualifying organization could trigger savings when buying car insurance for Sierra insurance.
  • Homeowners Pay Less – Owning a home can save you money because owning a home shows financial diligence.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • No Charge for an Accident – Certain companies permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Save over 55 – Older drivers may qualify for better car insurance rates for Sierra insurance.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
  • Life Insurance – Some companies give a discount if you purchase auto and life insurance together.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Sierra insurance than drivers with accident claims.
  • Safety Course Discount – Taking a defensive driving course could cut 5% off your bill depending on where you live.

Drivers should understand that some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way.

For a list of insurance companies with discount car insurance rates, follow this link.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can help discover if you might need professional guidance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is upholstery damage covered by car insurance?
  • Can I drive in Mexico and have coverage?
  • When can I cancel my policy?
  • Can I still get insurance after a DUI?
  • What if I don’t agree with a claim settlement offer?
  • Why do I need rental car insurance?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Can switching companies really save?

Companies like Allstate and Progressive continually stream television and radio advertisements. All the ads say the same thing that you’ll save big after switching your coverage to them. But how can every company make almost identical claims? This is how they do it.

All the different companies have a preferred profile for the right customer they prefer to insure. A good example of a profitable customer might be profiled as over the age of 50, owns a home, and drives less than 10,000 miles a year. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who don’t meet the requirements must pay higher premiums which usually ends up with business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That’s why insurance companies can confidently state the savings. This illustrates why you absolutely need to compare many company’s rates. You cannot predict which company will have the lowest GMC Sierra 1500 insurance rates.

Car insurance coverages for a GMC Sierra 1500

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average insurance policy.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses like surgery, pain medications, prosthetic devices, EMT expenses and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage


Liability coverage can cover injuries or damage you cause to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover 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 policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as pain and suffering, repair bills for other people’s vehicles, structural damage, bail bonds and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

This coverage pays for 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 insurance covers things like falling objects, damage from flooding, hitting a bird, hail damage and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your GMC Sierra 1500.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision protection

Collision insurance covers damage to your Sierra 1500 from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, damaging your car on a curb, crashing into a building, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

A penny earned…

When shopping online for auto insurance, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where someone dropped comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your aim should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

We just covered some good ideas how to reduce 2009 GMC Sierra 1500 insurance prices online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with the smaller companies. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

Additional information is located on the following sites:

Rates by U.S. City

2009 GMC Sierra Insurance Rates by City
City Premium
New York City, NY $1,782
Los Angeles, CA $1,926
Philadelphia, PA $1,506
Jacksonville, FL $1,636
Phoenix, AZ $1,308
Chicago, IL $1,512
Houston, TX $1,763
Seattle, WA $1,099
Columbus, OH $939
Indianapolis, IN $956

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $4,450
20 $2,586
30 $1,154
40 $1,126
50 $1,032
60 $1,010

Full coverage, $500 deductibles

Rates by Deductible

2009 GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,342
$250 $1,244
$500 $1,126
$1,000 $1,014

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,126
50/100 $1,221
100/300 $1,339
250/500 $1,647
100 CSL $1,268
300 CSL $1,529
500 CSL $1,719

Full coverage, driver age 40

Rates for High Risk Drivers

2009 GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $6,296
20 $4,126
30 $2,462
40 $2,432
50 $2,326
60 $2,302

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 $154

Potential Rate Discounts

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

Discount Savings
Multi-policy $58
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $73
5-yr Claim Free $72
Paid in Full/EFT $44
Advance Quote $52
Online Quote $77
Total Discounts $456
Rate after discounts $670

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

Find companies with the cheapest rates in your area

2009 GMC Sierra Insurance Rates by State
State Premium
Alabama $1,018
Alaska $864
Arizona $934
Arkansas $1,126
California $1,284
Colorado $1,076
Connecticut $1,158
Delaware $1,274
Florida $1,410
Georgia $1,038
Hawaii $808
Idaho $760
Illinois $840
Indiana $846
Iowa $760
Kansas $1,072
Kentucky $1,536
Louisiana $1,666
Maine $694
Maryland $926
Massachusetts $902
Michigan $1,956
Minnesota $942
Mississippi $1,348
Missouri $1,000
Montana $1,210
Nebraska $888
Nevada $1,350
New Hampshire $810
New Jersey $1,258
New Mexico $998
New York $1,188
North Carolina $648
North Dakota $922
Ohio $776
Oklahoma $1,158
Oregon $1,030
Pennsylvania $1,076
Rhode Island $1,502
South Carolina $1,020
South Dakota $950
Tennessee $986
Texas $1,356
Utah $834
Vermont $772
Virginia $674
Washington $872
West Virginia $1,030
Wisconsin $780
Wyoming $1,004

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