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2011 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 2011 GMC Sierra are $1,184 a year for full coverage. Comprehensive costs on average $216, collision insurance costs $346, and liability insurance costs around $464. Buying a liability-only policy costs as low as $514 a year, and high-risk insurance costs around $2,560. Teen drivers receive the highest rates at up to $4,620 a year.

Annual premium for full coverage: $1,184

Rate estimates for 2011 GMC Sierra Insurance

Comprehensive $216
Collision $346
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 $514 for only liability insurance to a much higher rate of $2,560 for a high risk driver.

Liability Only $514
Full Coverage $1,184
High Risk $2,560

View Chart as Image

2011 GMC Sierra insurance rates compared
Column chart showing 2011 GMC Sierra insurance prices range from $698 to $4,620 for full coverage

These differences show why anyone shopping for car insurance 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 2011 GMC Sierra Insurance

Searching Companies

Want the cheapest auto insurance rates for your GMC Sierra 1500? Finding lower rates for auto insurance can be difficult for consumers new to comparing rates online. There are so many options that it can easily become more work than you anticipated to find the best price.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. But drivers can benefit from knowing the methods companies use to sell online and use this information to your advantage.

The best way we recommend to compare rates utilizes the fact most of the bigger providers actually pay money for the chance to give rate comparisons. To start a quote, the only thing you need to do is provide a small amount of information including if it has an alarm system, what you do for a living, your education level, and whether you have decent credit. That rating data is instantly submitted to multiple companies and you should receive rate quotes instantly.

Buyer beware of car insurance advertising tricks

State Farm and Allstate regularly use television and radio advertisements. All the companies say the same thing that you’ll save big if you move your policy. How do they all say the same thing? It’s all in the numbers.

Different companies have a preferred profile for the type of customer that makes them money. For instance, a profitable customer might be a mature driver, has no tickets, and has a high credit rating. A propective insured that hits that “sweet spot” will get very good rates and therefore will pay quite a bit less when switching companies.

Potential customers who do not match these standards must pay higher premiums and ends up with business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save money. This is how insurance companies can make those claims. This illustrates why you absolutely need to get as many quotes as possible. It’s impossible to know which company will give you the biggest savings on GMC Sierra 1500 insurance.

Impacting insurance rates for a GMC Sierra 1500

Smart consumers have a good feel for the different types of things that go into determining your auto insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

Listed below are some of the factors companies use to determine premiums.

  • Lower deductibles cost more – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your GMC. Some examples of claims that would be covered could be collision with another vehicle, vandalism, or theft. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The higher the amount the insured has to pay upfront, the less your auto insurance will be for Sierra insurance.
  • Bundling policies can get discounts – Some auto insurance companies give discounts to people who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount you still need to compare other company rates to make sure you are getting the best deal.
  • Do you work long hours in a high stress job? – Jobs such as lawyers, social workers and stock brokers tend to pay the highest rates in part from high stress levels and long work days. On the other hand, occupations like farmers, students and retirees have the lowest average rates for Sierra insurance.
  • Do men or women drive better? – Statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Women and men have accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as reckless driving.

Cut your premium with discounts

Companies that sell car insurance don’t list all their discounts very well, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving.

  • Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • Government Employees – Simply working for the federal government could cut as much as 10% off for Sierra insurance with certain companies.
  • Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for Sierra insurance than less cautious drivers.
  • Fewer Miles Equal More Savings – Keeping the miles down on your GMC could qualify for a substantially lower rate.
  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings on your policy for Sierra insurance.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • No Charge for an Accident – Certain companies allow you one accident before raising your premiums if your claims history is clear for a set time period.

It’s important to note that some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way.

What is the best insurance coverage?

When buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions might point out if you could use an agent’s help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Are split liability limits better than a combined single limit?
  • When should I remove comp and collision on my 2011 GMC Sierra 1500?
  • Are my friends covered when driving my 2011 GMC Sierra 1500?
  • When should I not file a claim?
  • At what point should I drop full coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Detailed coverages of your car insurance policy

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims such as loss of income, attorney fees, medical expenses, court costs and funeral expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your GMC Sierra 1500.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, hitting a deer and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for prosthetic devices, surgery, funeral costs and doctor visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

This coverage pays for damage to your Sierra 1500 from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Buy online or local, you save

People switch companies for a number of reasons such as not issuing a premium refund, questionable increases in premium, extreme rates for teen drivers or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

We covered many ideas to shop for 2011 GMC Sierra 1500 insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a small local company.

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where someone dropped physical damage coverage to discover at claim time that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at an affordable rate.

To read more, feel free to visit the following helpful articles:

Rates by U.S. City

2011 GMC Sierra Insurance Rates by City
City Premium
New York City, NY $1,872
Los Angeles, CA $2,025
Philadelphia, PA $1,582
Jacksonville, FL $1,719
Phoenix, AZ $1,378
Chicago, IL $1,588
Houston, TX $1,856
Seattle, WA $1,152
Columbus, OH $987
Indianapolis, IN $1,006

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $4,620
20 $2,722
30 $1,218
40 $1,184
50 $1,084
60 $1,064

Full coverage, $500 deductibles

Rates by Deductible

2011 GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,430
$250 $1,316
$500 $1,184
$1,000 $1,056

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,184
50/100 $1,277
100/300 $1,393
250/500 $1,694
100 CSL $1,323
300 CSL $1,578
500 CSL $1,764

Full coverage, driver age 40

Rates for High Risk Drivers

2011 GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $6,548
20 $4,340
30 $2,596
40 $2,560
50 $2,444
60 $2,422

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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $64
Homeowner $20
5-yr Accident Free $79
5-yr Claim Free $76
Paid in Full/EFT $48
Advance Quote $55
Online Quote $82
Total Discounts $486
Rate after discounts $698

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

Find companies with the cheapest rates in your area

2011 GMC Sierra Insurance Rates by State
State Premium
Alabama $1,070
Alaska $908
Arizona $984
Arkansas $1,184
California $1,350
Colorado $1,132
Connecticut $1,218
Delaware $1,340
Florida $1,482
Georgia $1,092
Hawaii $850
Idaho $800
Illinois $882
Indiana $890
Iowa $800
Kansas $1,124
Kentucky $1,616
Louisiana $1,754
Maine $732
Maryland $976
Massachusetts $948
Michigan $2,056
Minnesota $990
Mississippi $1,418
Missouri $1,050
Montana $1,272
Nebraska $934
Nevada $1,418
New Hampshire $852
New Jersey $1,324
New Mexico $1,050
New York $1,248
North Carolina $682
North Dakota $968
Ohio $816
Oklahoma $1,216
Oregon $1,084
Pennsylvania $1,130
Rhode Island $1,580
South Carolina $1,072
South Dakota $1,000
Tennessee $1,036
Texas $1,428
Utah $878
Vermont $812
Virginia $710
Washington $914
West Virginia $1,084
Wisconsin $820
Wyoming $1,056

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