GMC Canyon Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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U.S. average auto insurance rates for a GMC Canyon are $1,238 annually with full coverage. Comprehensive insurance costs around $228, collision insurance costs $400, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs $2,680 or more. Teen drivers pay the highest rates at up to $4,788 a year.

Average premium for full coverage: $1,238

Price estimates for individual coverage:

Comprehensive $228
Collision $400
Liability $452

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Canyon models.

Price Range from Low to High

Using a middle-aged driver as an example, GMC Canyon insurance prices range from as cheap as $504 for just liability coverage to the much higher price of $2,680 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $1,238
High Risk $2,680

Geographic Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population have fewer collision claims than larger metro areas. The example below illustrates how where you live affects auto insurance rates.

Rural Areas $929
Small Cities $1,300
Large Cities $1,671

The ranges above demonstrate why everyone should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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.

Detailed Rate Analysis

The chart below details average GMC Canyon insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $724
  • Using higher $1,000 deductibles will save about $142 annually
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,238
  • Choosing pricier low deductibles for physical damage coverage costs an additional $276 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,680
  • The price with full coverage for a 16-year-old driver for full coverage can be $4,788 or more

View Chart as Image

GMC Canyon insurance cost comparison chart
Column chart showing GMC Canyon insurance prices range from $724 to $4,788 for full coverage

Insurance prices for a GMC Canyon are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra each year, depending on your age. GMC Canyon insurance for high-risk drivers can be from 44% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $420 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on GMC Canyon insurance prices. A driver around age 40 might see prices as low as $890 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,670 on average in Florida, Michigan, and New York.

GMC Canyon Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,120 -$118 -9.5%
Alaska $948 -$290 -23.4%
Arizona $1,028 -$210 -17.0%
Arkansas $1,238 -$0 0.0%
California $1,410 $172 13.9%
Colorado $1,182 -$56 -4.5%
Connecticut $1,272 $34 2.7%
Delaware $1,400 $162 13.1%
Florida $1,550 $312 25.2%
Georgia $1,142 -$96 -7.8%
Hawaii $888 -$350 -28.3%
Idaho $836 -$402 -32.5%
Illinois $922 -$316 -25.5%
Indiana $932 -$306 -24.7%
Iowa $834 -$404 -32.6%
Kansas $1,176 -$62 -5.0%
Kentucky $1,690 $452 36.5%
Louisiana $1,832 $594 48.0%
Maine $762 -$476 -38.4%
Maryland $1,020 -$218 -17.6%
Massachusetts $990 -$248 -20.0%
Michigan $2,150 $912 73.7%
Minnesota $1,034 -$204 -16.5%
Mississippi $1,482 $244 19.7%
Missouri $1,096 -$142 -11.5%
Montana $1,330 $92 7.4%
Nebraska $976 -$262 -21.2%
Nevada $1,486 $248 20.0%
New Hampshire $892 -$346 -27.9%
New Jersey $1,382 $144 11.6%
New Mexico $1,096 -$142 -11.5%
New York $1,302 $64 5.2%
North Carolina $714 -$524 -42.3%
North Dakota $1,014 -$224 -18.1%
Ohio $856 -$382 -30.9%
Oklahoma $1,270 $32 2.6%
Oregon $1,132 -$106 -8.6%
Pennsylvania $1,182 -$56 -4.5%
Rhode Island $1,650 $412 33.3%
South Carolina $1,120 -$118 -9.5%
South Dakota $1,044 -$194 -15.7%
Tennessee $1,084 -$154 -12.4%
Texas $1,492 $254 20.5%
Utah $916 -$322 -26.0%
Vermont $848 -$390 -31.5%
Virginia $740 -$498 -40.2%
Washington $956 -$282 -22.8%
West Virginia $1,134 -$104 -8.4%
Wisconsin $856 -$382 -30.9%
Wyoming $1,104 -$134 -10.8%

View Chart as Image

GMC Canyon insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

GMC Canyon Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
GMC Canyon SLE Regular Cab 2WD $1,146 $96
GMC Canyon SLE Ext Cab 2WD $1,180 $98
GMC Canyon SLE Ext Cab Z71 2WD $1,180 $98
GMC Canyon SLE Crew Cab 2WD $1,216 $101
GMC Canyon SLE Crew Cab Z71 2WD $1,252 $104
GMC Canyon SLE Regular Cab 4WD $1,154 $96
GMC Canyon SLT Ext Cab 2WD $1,252 $104
GMC Canyon SLE Ext Cab 4WD $1,188 $99
GMC Canyon SLT Crew Cab 2WD $1,288 $107
GMC Canyon SLE Ext Cab Z71 4WD $1,222 $102
GMC Canyon SLE Crew Cab 4WD $1,260 $105
GMC Canyon SLE Crew Cab Z71 4WD $1,294 $108
GMC Canyon SLT Crew Cab 4WD $1,294 $108
GMC Canyon SLT Ext Cab 4WD $1,294 $108

Rates assume 2018 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.

GMC Canyon Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 GMC Canyon $228 $400 $452 $1,238
2015 GMC Canyon $196 $310 $460 $1,124
2012 GMC Canyon $172 $252 $474 $1,056
2006 GMC Canyon $136 $160 $452 $906
2005 GMC Canyon $126 $152 $446 $882
2004 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 Affordable GMC Canyon Insurance

Getting lower rates on insurance for a GMC Canyon requires being a good driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the data that was touched on in the above illustrations.

  • You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
  • Insureds who may need an increased level of liability coverage will pay about $500 every year to increase from a low limit to higher 250/500 limits
  • Drivers age 16 to 20 pay higher prices, costing up to $399 a month including comprehensive and collision insurance
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,440 more every year than a safer driver

Rates by Driver Age

GMC Canyon Insurance Rates by Driver Age
Driver Age Premium
16 $4,788
20 $2,860
30 $1,276
40 $1,238
50 $1,134
60 $1,112

Full coverage, $500 deductibles

Rates by Deductible

GMC Canyon Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,514
$250 $1,386
$500 $1,238
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

GMC Canyon Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,238
50/100 $1,384
100/300 $1,497
250/500 $1,791
100 CSL $1,430
300 CSL $1,678
500 CSL $1,859

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Canyon Insurance Rates for High Risk Drivers
Age Premium
16 $6,802
20 $4,556
30 $2,724
40 $2,680
50 $2,562
60 $2,540

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 $172

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $66
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $80
Paid in Full/EFT $52
Advance Quote $59
Online Quote $86
Total Discounts $514
Rate after discounts $724

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

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