2017 GMC Sierra Insurance Rates
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UPDATED: Nov 30, 2021
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Average insurance rates for a 2017 GMC Sierra are $1,404 a year including full coverage. Comprehensive costs an estimated $286, collision costs $530, and liability coverage costs around $430. Buying a liability-only policy costs as low as $486 a year, with high-risk insurance costing around $3,044. Teenage drivers receive the highest rates at $5,280 a year or more.
Annual premium for full coverage: $1,404
Rate estimates for 2017 GMC Sierra Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2017 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 go from as low as $486 for a discount liability-only rate to the much higher price of $3,044 for a high risk driver.
These differences highlight why everyone should compare prices for a targeted area and risk profile, rather than using 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 2017 GMC Sierra Insurance
Having to pay for overpriced GMC Sierra 1500 insurance can drain your bank account, especially in this economy. Comparison shopping is a smart way to reduce premiums and put more money in your pocket.
Having so many insurance companies to choose from, it can be impossible to find the cheapest insurance company.
Consumers need to compare prices once or twice a year because rates go up and down regularly. Even if you got the lowest rates on Sierra coverage a couple years back you can probably find a lower rate today. There is a lot of bad advice regarding insurance coverage on the web, but with this article, you’re going to get the easiest ways to find cheap insurance coverage.
More discounts equal less premium
Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Some trigger automatically when you quote, but less common discounts must be inquired about in order for you to get them.
- Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
- Multiple Policy Discount – If you insure your home and vehicles with one company you could get a discount of approximately 10% to 15%.
- Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
- Distant Student – Any of your kids who are attending college and don’t have a car can receive lower rates.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
- Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on Sierra coverage than their less cautious counterparts.
- Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
- Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current policy expires. It can save you around 10%.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
- Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
Keep in mind that many deductions do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But any discount will bring down your premiums.
Comprehensive Insurance Comparison
Most major insurance companies quote prices on the web. The process doesn’t take a lot of time as you just enter the coverage amounts you desire into the quote form. Behind the scenes, the company’s rating system makes automated requests for reports for credit and driving violations and generates pricing information based on these and other factors. Online quotes simplifies rate comparisons, but the process of having to visit several different sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s absolutely necessary to compare as many rates as possible in order to find the best price possible.
Rate comparisons made easy
A less time-consuming method to find cheaper rates requires only one form that gets prices from multiple companies. It saves time, eliminates repetitive work, and makes online shopping a lot less work. After your information is entered, it is rated and you can choose any of the quote results.
If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process just takes a couple of minutes and you will know how your current rates stack up.
To save time and compare rates now, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you enter the limits and deductibles exactly as they are listed on your policy. This guarantees you’re receiving comparison quotes using the exact same coverages.
It’s not one size fits all
When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different so this has to be addressed. For example, these questions can help discover whether or not you might need an agent’s assistance.
- If my pet gets injured in an accident are they covered?
- What is roadside assistance coverage?
- Am I covered if I break a side mirror?
- Do I have coverage when pulling a U-Haul trailer?
- Why am I required to buy high-risk coverage?
- I have good health insurance, so how much medical payments coverage do I need?
- How can I get my company to pay me more for my totalled car?
If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.
Insurance coverage considerations
Understanding the coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as dental work, funeral costs, ambulance fees, pain medications and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage
Liability auto insurance
Liability insurance will cover damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like bail bonds, repair costs for stationary objects, funeral expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your GMC Sierra 1500.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as backing into a parked car, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.
Comprehensive coverage (or Other than Collision)
This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as fire damage, hail damage, damage from getting keyed and damage from flooding. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Pennies from heaven
Cheap 2017 GMC Sierra 1500 insurance is attainable from both online companies and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
As you restructure your insurance plan, you should never buy less coverage just to save a little money. There have been many situations where consumers will sacrifice liability limits or collision coverage and discovered at claim time that it was a big error on their part. The proper strategy is to find the BEST coverage for the lowest price, not the least amount of coverage.
We just showed you some good ideas how to lower your insurance rates. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers may even find the lowest premiums are with the least-expected company. Some small companies can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.
More information can be found at the links below
Rates by U.S. City
|New York City, NY||$2,217|
|Los Angeles, CA||$2,400|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$103|
|5-yr Claim Free||$91|
|Paid in Full/EFT||$64|
Discounts are estimated and may not be available from every company or in every state.