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2016 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 2016 GMC Sierra are $1,382 a year with full coverage. Comprehensive costs on average $270 a year, collision costs $512, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $3,004. Teen drivers receive the highest rates at $5,248 a year or more.

Annual premium for full coverage: $1,382

Rate estimates for 2016 GMC Sierra Insurance

Comprehensive $270
Collision $512
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 $496 for the bare minimum liability coverage to a high of $3,004 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $1,382
High Risk $3,004

View Chart as Image

2016 GMC Sierra insurance rates compared
Column chart showing 2016 GMC Sierra insurance prices range from $795 to $5,248 for full coverage

These differences demonstrate why it is important for drivers to compare rates based on a specific location and risk profile, instead of making a decision based 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 2016 GMC Sierra Insurance

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GMC Sierra insurance
Trying to find better auto insurance rates for your GMC Sierra 1500? Getting discount auto insurance may at first seem to be somewhat difficult for consumers new to buying their auto insurance on the web. With so many insurance agents and companies competing online, how can anyone have time to compare every auto insurance company to find the cheapest available price?

The most recommended method to compare policy rates is to take advantage of the fact most insurance companies will pay a fee to compare rate quotes. All consumers are required to do is spend a couple of minutes providing details such as what you do for a living, if you lease or own, an estimate of your credit level, and if you are currently licensed. Your insurance information is instantly sent to multiple companies and you get price estimates almost instantly.

Lower rates by qualifying for discounts

Some companies don’t always list every disount available very well, so we researched a few of the more common and the harder-to-find discounts that you may qualify for. If you do not check that you are getting every discount available, you could be getting lower rates.

  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off the medical payments premium.
  • Distant Student Discount – Any of your kids who are enrolled in higher education away from home and do not take a car to college could get you a discount.
  • Clubs and Organizations – Having an affiliation with certain professional organizations is a good way to get lower rates on your next insurance statement.
  • Defensive Driver – Taking part in a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
  • Accident Waiver – Not necessarily a discount, but some companies like State Farm and GEICO will allow you to have one accident before they charge you more for coverage if your claims history is clear for a specific time period.
  • Telematics Devices – Policyholders that allow data collection to track vehicle usage by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks as long as they are good drivers.
  • E-sign – A few insurance companies will give a small break for completing your application on your computer.
  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. If you do the math and it seems like it’s possible to get free car insurance, you’re out of luck. Any amount of discount should definitely cut the amount you have to pay.

A list of companies and some of the discounts are included below.

  • State Farm offers premium reductions for defensive driving training, driver’s education, passive restraint, accident-free, and safe vehicle.
  • GEICO discounts include seat belt use, multi-policy, federal employee, membership and employees, air bags, anti-lock brakes, and daytime running lights.
  • Liberty Mutual offers discounts including newly married, newly retired, new vehicle discount, exclusive group savings, teen driver discount, and new graduate.
  • The Hartford policyholders can earn discounts including vehicle fuel type, air bag, driver training, good student, bundle, and defensive driver.
  • MetLife may include discounts for claim-free, good driver, good student, accident-free, defensive driver, multi-policy
  • Progressive includes discounts for multi-vehicle, homeowner, online signing, multi-policy, good student, and continuous coverage.

When getting a coverage quote, ask all the companies which discounts you may be entitled to. Savings may not apply to policyholders in every state. For a list of providers that offer multiple discounts, click this link.

Auto insurance is unique, just like you

When it comes to buying the best auto insurance coverage, there really is no “best” method to buy coverage. Every situation is different.

For instance, these questions can aid in determining if you could use an agent’s help.

  • Why is insurance for a teen driver so high?
  • Is business property covered if stolen from my car?
  • What are the best liability limits?
  • I have a DUI can I still get coverage?
  • I have health insurance so do I need medical payments coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I hit a deer?
  • Will my rates increase for filing one claim?
  • Does my policy pay for OEM or aftermarket parts?
  • What is UM/UIM insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Free Auto Insurance Comparison

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Car insurance coverages for a GMC Sierra 1500

Having a good grasp of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, fire damage, hitting a deer and damage from getting keyed. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

This coverage pays for damage to your Sierra 1500 resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, sustaining damage from a pot hole, sideswiping another vehicle, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your GMC Sierra 1500.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability

This coverage protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like attorney fees, emergency aid, medical services, medical expenses and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as doctor visits, chiropractic care, pain medications, prosthetic devices and dental work. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2016 GMC Sierra Insurance Rates by City
City Premium
New York City, NY $2,184
Los Angeles, CA $2,361
Philadelphia, PA $1,848
Jacksonville, FL $2,004
Phoenix, AZ $1,607
Chicago, IL $1,854
Houston, TX $2,166
Seattle, WA $1,346
Columbus, OH $1,154
Indianapolis, IN $1,177

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2016 GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $5,248
20 $3,204
30 $1,438
40 $1,382
50 $1,264
60 $1,240

Full coverage, $500 deductibles

Rates by Deductible

2016 GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,726
$250 $1,566
$500 $1,382
$1,000 $1,204

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,382
50/100 $1,470
100/300 $1,581
250/500 $1,868
100 CSL $1,515
300 CSL $1,758
500 CSL $1,935

Full coverage, driver age 40

Rates for High Risk Drivers

2016 GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $7,478
20 $5,110
30 $3,064
40 $3,004
50 $2,870
60 $2,844

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 $195

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $90
Paid in Full/EFT $62
Advance Quote $68
Online Quote $98
Total Discounts $587
Rate after discounts $795

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

Find companies with the cheapest rates in your area

2016 GMC Sierra Insurance Rates by State
State Premium
Alabama $1,250
Alaska $1,062
Arizona $1,148
Arkansas $1,382
California $1,574
Colorado $1,320
Connecticut $1,422
Delaware $1,564
Florida $1,728
Georgia $1,276
Hawaii $992
Idaho $936
Illinois $1,030
Indiana $1,042
Iowa $932
Kansas $1,314
Kentucky $1,886
Louisiana $2,046
Maine $852
Maryland $1,142
Massachusetts $1,106
Michigan $2,402
Minnesota $1,156
Mississippi $1,656
Missouri $1,226
Montana $1,486
Nebraska $1,088
Nevada $1,656
New Hampshire $994
New Jersey $1,546
New Mexico $1,224
New York $1,456
North Carolina $796
North Dakota $1,132
Ohio $954
Oklahoma $1,420
Oregon $1,266
Pennsylvania $1,320
Rhode Island $1,844
South Carolina $1,250
South Dakota $1,168
Tennessee $1,212
Texas $1,666
Utah $1,024
Vermont $946
Virginia $828
Washington $1,068
West Virginia $1,266
Wisconsin $958
Wyoming $1,232

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