GMC Sierra Insurance Rates

How much is a GMC Sierra 1500 insurance policy? The average GMC Sierra insurance rates are $1,460 a year, or $121 a month.

While the average insurance cost for a 2018 GMC Sierra may be slightly different than a 2016 GMC Sierra cost of insurance, vehicles’ rates shouldn’t vary drastically among model years. Read through our guide to learn how you can secure cheap car insurance rates for your GMC Sierra 1500.

To start saving on GMC Sierra insurance and to receive rates for insurance on GMC vehicles, enter your five-digit ZIP code into our free tool above.

U.S. average insurance prices for a GMC Sierra are $908 every 12 months for full coverage insurance. Comprehensive costs approximately $138, collision insurance costs $170, and liability insurance costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $1,950. Teenage drivers pay the highest rates at up to $3,718 a year.

Average premium for full coverage: $908

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Sierra trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. Rural locations have more infrequent physical damage claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates average GMC Sierra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $560
• Drivers who choose higher $1,000 deductibles will pay $72 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $908
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,040
• High risk drivers who are prone to accidents and violations could pay around $1,950
• The price to insure a teen driver with full coverage can cost $3,718 a year

View Chart as Image

Auto insurance prices for a GMC Sierra are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Sierra.

Using high physical damage deductibles could save up to $210 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $3,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,100 to $1,500 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 40% to 134% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in GMC Sierra insurance rates. A 40-year-old driver could pay as low as $600 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,230 on average in Florida, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 1991 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.

How to Shop for Affordable GMC Sierra Insurance

Getting lower rates on GMC Sierra insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to shop around every time your policy renews by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a brief review of the information raised in the charts and tables above.

• It is possible to save around $100 per year just by shopping early and online
• Teen drivers have the highest car insurance prices, as much as $310 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save as much as $200 each year
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,040 more per year to insure their Sierra
• Drivers who purchase more liability coverage will pay an extra $490 annually to go from a low limit to a 250/500 level

The best way to save on the GMC truck cost of insurance is to shop online for quotes. If you haven’t bought a car yet, you can still shop for quotes to find out the GMC Sierra price range for different model years and trims, such as 2006 versus 2009 GMC Sierra trim levels.

Remember, the age of your model will impact your rates. But by how much for a GMC Sierra? The average insurance cost for a 2018 GMC Sierra will be few hundred dollars higher annually than the 2014 GMC Sierra costs.

If you are ready to start shopping around to find out answers to questions like how much does a 2014 GMC Sierra 1500 cost to insure in my area, or 2018 GMC Sierra costs, enter your ZIP code in our free tool below.

What are the safety ratings of the GMC Sierra 1500?

It is easier to find cheap insurance for a GMC Sierra 1500 if the GMC Sierra 1500’s safety ratings and features are better than average. The GMC Sierra 1500 does have some great safety features, such as traction control, a blind-spot monitor, and cross-traffic alert.

The Insurance Institute for Highway Safety (IIHS) has also crash-tested the 2020 GMC Sierra 1500 pickup. Take a look at the resulting ratings below.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Marginal
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Good is the highest rating, so the GMC Sierra 1500 did well.

Check to the GMC Sierra 1500 crash test ratings as performed by the National Highway Traffic Safety Administration in the table below.

GMC Sierra 1500 Crash Test Ratings

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Over the years, the GMC Sierra performed well and never scored lower than 4-stars.

GMC Sierra 1500 Compared Against Other Vehicles in the Same Class

The GMC Sierra 1500 is a large pickup, which sometimes can mean higher liability rates, as larger cars can do more damages. Luckily, the IIHS rated the GMC Sierra 1500’s liability losses as average and better than average in comparison to other large pickups.

See the GMC Sierra 1500 insurance loss probability details in the table below.

GMC Sierra 1500 Insurance Loss Probability

The lower the number, the better the insurance loss ratio. For this vehicle, the collision loss ratios are substantially better than average. However, the property damage ratio is worse than average.

To see how the GMC Sierra’s 1500 rates compare to other large pickups, view the vehicles below.

• Chevrolet Silverado
• Ford F-150
• Nissan Titan

If you’re wondering how much does a GMC truck cost, expect to pay around $40,000 or less. How much does a 2014 GMC Sierra cost? Just under $30,000.

We hope you have a better idea of GMC Sierra’s price range for insurance.

To find out how much a GMC Sierra 1500 or other GMC truck will cost to insure in your area, just enter your five-digit ZIP code into our FREE online quote tool.

References

1. https://www.iihs.org/ratings/vehicle/gmc/sierra-1500-crew-cab-pickup/2020