1. Vehicles
  2. GMC
  3. Sierra 1500
  4. 2018 Model Year

2018 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 19, 2019

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 2018 GMC Sierra are $1,422 a year for full coverage. Comprehensive costs on average $296, collision costs $552, and liability costs around $416. Buying a liability-only policy costs as low as $474 a year, with high-risk insurance costing around $3,086. Teen drivers receive the highest rates at $5,324 a year or more.

Annual premium for full coverage: $1,422

Rate estimates for 2018 GMC Sierra Insurance

Comprehensive $296
Collision $552
Liability $416

Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 $474 for basic liability insurance to a much higher rate of $3,086 for a high risk driver.

Liability Only $474
Full Coverage $1,422
High Risk $3,086

View Chart as Image

2018 GMC Sierra insurance rates compared
Column chart showing 2018 GMC Sierra insurance prices range from $814 to $5,324 for full coverage

These differences show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using 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 2018 GMC Sierra Insurance

Searching Companies

Finding more affordable car insurance can seem to be frustrating for drivers new to comparison shopping online. Consumers have so many options that it can quickly become a difficult challenge to find the best price.

The quickest way to compare rates is to realize most larger insurance companies participate in online systems to provide you with free rate quotes. The only thing you need to do is provide details such as if you have a valid license, if you lease or own, if it has an alarm system, and level of coverage desired. Your rating data is instantly provided to insurance companies and you will receive price estimates within a short period of time.

Lower-cost auto insurance rates with discounts

Companies offering auto insurance don’t always list all available discounts in an easy-to-find place, so we break down both well-publicized as well as some of the hidden credits available to bring down your rates.

  • Multiple Policy Discount – When you combine your homeowners and auto insurance with the same insurance company you may save at least 10 to 15 percent or more.
  • Include Life Insurance and Save – Larger auto insurance companies have a discount if you purchase life insurance from them.
  • Home Ownership Discount – Just being a homeowner may earn you a small savings since home ownership is proof of financial responsibility.
  • Good Drivers – Safe drivers could pay up to 40% less for Sierra insurance compared to rates paid by drivers with frequent claims.
  • Anti-lock Brake System – Cars with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.

One thing to note about discounts is that most discounts do not apply the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will reduce your auto insurance premiums.

A few of the larger companies and a summarized list of policyholder discounts are outlined below.

  • GEICO discounts include defensive driver, federal employee, membership and employees, driver training, and seat belt use.
  • USAA may include discounts for good student, multi-policy, military installation, loyalty savings, multi-vehicle, and family discount.
  • Progressive offers discounts for multi-vehicle, homeowner, online signing, online quote discount, and multi-policy.
  • American Family offers premium reductions for TimeAway discount, mySafetyValet, defensive driver, bundled insurance, and good driver.
  • Esurance may have discounts that include good driver, DriveSense, anti-lock brakes, homeowner, good student, and emergency road assistance.
  • Farmers Insurance policyholders can earn discounts including mature driver, good student, switch companies, multi-car, and homeowner.
  • State Farm includes discounts for student away at school, good driver, good student, defensive driving training, multiple autos, passive restraint, and anti-theft.

When getting a coverage quote, ask all companies you are considering the best way to save money. Depending on the company, some discounts may not apply to policyholders in your area. To see providers that have a full spectrum of discounts, click this link.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

These are some specific questions may help you determine if your insurance needs might need professional guidance.

  • What is medical payments coverage?
  • Do I need replacement cost coverage on my 2018 GMC Sierra 1500?
  • Is my 2018 GMC Sierra 1500 covered for flood damage?
  • At what point should I drop full coverage?
  • Is my state a no-fault state?
  • Does coverage extend to Mexico or Canada?
  • Should I buy more coverage than the required minimum liability coverage?
  • How much can I save by bundling my policies?
  • What is roadside assistance coverage?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What insurance coverages do you need?

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

Collision insurance pays for damage to your Sierra 1500 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, hitting a parking meter, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a bird, a broken windshield, hitting a deer and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for immediate expenses like ambulance fees, pain medications and EMT expenses. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability insurance

Liability insurance protects you from damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like medical services, pain and suffering, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Use our FREE quote tool to compare insurance rates now!

Rates by U.S. City

2018 GMC Sierra Insurance Rates by City
City Premium
New York City, NY $2,250
Los Angeles, CA $2,433
Philadelphia, PA $1,898
Jacksonville, FL $2,065
Phoenix, AZ $1,655
Chicago, IL $1,908
Houston, TX $2,231
Seattle, WA $1,386
Columbus, OH $1,191
Indianapolis, IN $1,211

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2018 GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $5,324
20 $3,294
30 $1,484
40 $1,422
50 $1,300
60 $1,274

Full coverage, $500 deductibles

Rates by Deductible

2018 GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,798
$250 $1,624
$500 $1,422
$1,000 $1,232

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,422
50/100 $1,505
100/300 $1,609
250/500 $1,880
100 CSL $1,547
300 CSL $1,776
500 CSL $1,942

Full coverage, driver age 40

Rates for High Risk Drivers

2018 GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $7,598
20 $5,246
30 $3,154
40 $3,086
50 $2,946
60 $2,920

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 $200

Potential Rate Discounts

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

Discount Savings
Multi-policy $76
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $106
5-yr Claim Free $92
Paid in Full/EFT $66
Advance Quote $71
Online Quote $101
Total Discounts $608
Rate after discounts $814

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

Find companies with the cheapest rates in your area

2018 GMC Sierra Insurance Rates by State
State Premium
Alabama $1,288
Alaska $1,094
Arizona $1,182
Arkansas $1,422
California $1,622
Colorado $1,360
Connecticut $1,464
Delaware $1,612
Florida $1,780
Georgia $1,314
Hawaii $1,020
Idaho $962
Illinois $1,060
Indiana $1,072
Iowa $962
Kansas $1,354
Kentucky $1,942
Louisiana $2,106
Maine $876
Maryland $1,174
Massachusetts $1,138
Michigan $2,472
Minnesota $1,190
Mississippi $1,704
Missouri $1,264
Montana $1,530
Nebraska $1,124
Nevada $1,706
New Hampshire $1,026
New Jersey $1,592
New Mexico $1,260
New York $1,500
North Carolina $820
North Dakota $1,164
Ohio $984
Oklahoma $1,460
Oregon $1,304
Pennsylvania $1,356
Rhode Island $1,898
South Carolina $1,288
South Dakota $1,202
Tennessee $1,248
Texas $1,716
Utah $1,054
Vermont $974
Virginia $854
Washington $1,100
West Virginia $1,304
Wisconsin $986
Wyoming $1,268

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