1. Vehicles
  2. GMC
  3. Sierra 1500
  4. 2010 Model Year

2010 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 2010 GMC Sierra are $1,164 a year including full coverage. Comprehensive insurance costs on average $210, collision costs $322, and liability insurance costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,514 or more. Teen drivers receive the highest rates at $4,564 a year or more.

Annual premium for full coverage: $1,164

Rate estimates for 2010 GMC Sierra Insurance

Comprehensive $210
Collision $322
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 the average driver, prices range go from as low as $522 for just liability insurance to the much higher price of $2,514 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,164
High Risk $2,514

View Chart as Image

2010 GMC Sierra insurance rates compared
Column chart showing 2010 GMC Sierra insurance prices range from $690 to $4,564 for full coverage

These differences highlight why everyone should compare prices based on a specific location and risk profile, rather than relying 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 2010 GMC Sierra Insurance

Searching Companies

Searching for better insurance coverage rates for your GMC Sierra 1500? Purchasing cheap insurance coverage online may be difficult for beginners to shopping for insurance online. With so many online companies, how can drivers even start to compare every company to locate the cheapest rates?

It’s a good idea to compare prices occasionally because insurance rates tend to go up over time. Even if you got the best rates on Sierra coverage a few years ago you will most likely find a better rate today. Starting now, block out anything you think you know about insurance coverage because you’re about to learn how to quote online to find lower rates on insurance coverage.

If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Shopping for cheaper car insurance coverage is quite easy. But consumers can benefit by having an understanding of how insurance companies compete online and use this information to your advantage.

Save on 2010 GMC Sierra 1500 insurance

Companies that sell car insurance do not advertise every discount in an easy-to-find place, so we researched some of the best known and also the lesser-known ways to save on car insurance.

  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on Sierra coverage than less cautious drivers.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school.
  • No Claims – Good drivers with no accidents pay much less compared to bad drivers.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Safety Course Discount – Completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, car insurance companies aren’t that generous.

How to Compare Auto Insurance Rates

Shopping for lower auto insurance rates can take time and effort if you don’t know the best way to get rate quotes. You can waste hours talking about coverages with agents in your area, or you can stay home and use the web to maximize your effort.

Most car insurance companies participate in an industry program where prospective buyers enter their policy data once, and at least one company provides a quote. This eliminates the need for form submissions to every company.

To compare pricing click here (opens in new window).

The only downside to comparing rates this way is that consumers can’t choose the providers you want pricing from.

Whichever way you use, ensure you are comparing identical quote information with each company. If you are comparing different limits and deductibles on each one it will be very difficult to determine the best price for your GMC Sierra 1500. Quoting even small variations in insurance coverages may result in a large different in cost. And when price shopping your coverage, having more price comparisons provides better odds of finding the best price.

Tailor your coverage to you

When it comes to choosing adequate coverage, there is no perfect coverage plan. Every situation is different.

Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

  • Does my insurance cover a custom paint job?
  • Does my personal policy cover me when driving out-of-state?
  • Is a new car covered when I drive it off the dealer lot?
  • I have health insurance so do I need medical payments coverage?
  • Is business property covered if stolen from my car?
  • How high should my uninsured/underinsured coverage be in my state?
  • What if I owe more than I can insure my car for?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverages

Understanding the coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like pain medications, ambulance fees, EMT expenses, nursing services and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for liability – This provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as pain and suffering, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive protection – Comprehensive insurance 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 coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, falling objects, vandalism and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – Collision insurance will pay to fix damage to your Sierra 1500 caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like driving through your garage door, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Uninsured or underinsured coverage – This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

More effort can pay off

Cheaper 2010 GMC Sierra 1500 insurance is available both online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not provide online quoting and these smaller companies work with independent agents.

You just learned some good ideas how you can lower your insurance rates. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even discover the best price on car insurance is with a small local company.

When buying insurance coverage, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy enough coverage at a price you can afford.

Even more information can be read in the articles below:

Rates by U.S. City

2010 GMC Sierra Insurance Rates by City
City Premium
New York City, NY $1,842
Los Angeles, CA $1,992
Philadelphia, PA $1,557
Jacksonville, FL $1,691
Phoenix, AZ $1,352
Chicago, IL $1,559
Houston, TX $1,825
Seattle, WA $1,134
Columbus, OH $973
Indianapolis, IN $990

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2010 GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $4,564
20 $2,672
30 $1,196
40 $1,164
50 $1,066
60 $1,046

Full coverage, $500 deductibles

Rates by Deductible

2010 GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,398
$250 $1,290
$500 $1,164
$1,000 $1,044

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,164
50/100 $1,259
100/300 $1,377
250/500 $1,685
100 CSL $1,306
300 CSL $1,567
500 CSL $1,757

Full coverage, driver age 40

Rates for High Risk Drivers

2010 GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $6,462
20 $4,260
30 $2,546
40 $2,514
50 $2,404
60 $2,378

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 $159

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $63
Homeowner $20
5-yr Accident Free $77
5-yr Claim Free $74
Paid in Full/EFT $46
Advance Quote $54
Online Quote $80
Total Discounts $474
Rate after discounts $690

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

Find companies with the cheapest rates in your area

2010 GMC Sierra Insurance Rates by State
State Premium
Alabama $1,054
Alaska $894
Arizona $966
Arkansas $1,164
California $1,328
Colorado $1,114
Connecticut $1,198
Delaware $1,318
Florida $1,458
Georgia $1,074
Hawaii $838
Idaho $786
Illinois $866
Indiana $876
Iowa $786
Kansas $1,108
Kentucky $1,590
Louisiana $1,724
Maine $718
Maryland $960
Massachusetts $932
Michigan $2,024
Minnesota $974
Mississippi $1,394
Missouri $1,032
Montana $1,250
Nebraska $918
Nevada $1,396
New Hampshire $838
New Jersey $1,302
New Mexico $1,032
New York $1,228
North Carolina $672
North Dakota $954
Ohio $804
Oklahoma $1,196
Oregon $1,066
Pennsylvania $1,112
Rhode Island $1,552
South Carolina $1,054
South Dakota $984
Tennessee $1,020
Texas $1,404
Utah $862
Vermont $798
Virginia $698
Washington $900
West Virginia $1,068
Wisconsin $808
Wyoming $1,038

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