2019 GMC Sierra Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2019 GMC Sierra are $1,428 a year for full coverage. Comprehensive costs an estimated $306, collision insurance costs $566, and liability costs around $398. Buying a liability-only policy costs as low as $460 a year, and high-risk insurance costs around $3,096. Teen drivers receive the highest rates at up to $5,310 a year.
Annual premium for full coverage: $1,428
Rate estimates for 2019 GMC Sierra Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 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 the average driver, prices range range from as low as $460 for only liability insurance to a much higher rate of $3,096 for a driver that may need high-risk insurance.
These differences show why anyone shopping for car insurance should compare prices for a targeted area 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 2019 GMC Sierra Insurance
Are you irritated from robbing Peter to pay Paul to pay high insurance coverage rates every month? You are in the same boat as the majority of other people.
Since people have many options when it comes to insurance coverage, it can be challenging to pick the lowest cost insurer.
Buying car insurance is not rocket science. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. But consumers must know how insurance companies compete online and apply this information to your search.
Verify you’re applying every discount
Car insurance can cost a lot, but companies offer discounts that can help lower your rates. Certain discounts will be triggered automatically at the time of purchase, but some need to be inquired about before you will receive the discount. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.
- Data Collection Discounts – Insureds who allow their insurance company to study vehicle usage through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they are good drivers.
- Discounts for Safe Drivers – Accident-free drivers can get discounts for up to 45% lower rates for Sierra coverage compared to accident prone drivers.
- Multi-car Discount – Drivers who insure primary and secondary vehicles with the same company qualifies for this discount.
- Pay Early and Save – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
- Senior Discount – Mature drivers can get lower premium rates for Sierra coverage.
- New Vehicle Savings – Insuring a vehicle that is new can cost up to 25% less because new vehicles keep occupants safer.
You can save money using discounts, but many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, it doesn’t quite work that way.
To see insurance companies that offer the discounts shown above, enter your zip code here.
When should I discuss my situation with an agent?
When choosing coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different and your policy should reflect that. These are some specific questions might help in determining whether or not you might need an agent’s assistance.
- Where can I get insurance after a DUI in my state?
- What is the difference between comprehensive and collision coverage?
- What exactly is covered by my policy?
- Which companies will insure high-risk drivers?
- What can I do if my company won’t pay a claim?
- Does my personal policy cover me when driving out-of-state?
- Am I covered when driving a rental car?
- Do I need higher collision deductibles?
- When should I remove comp and collision on my 2019 GMC Sierra 1500?
- How high should my uninsured/underinsured coverage be in my state?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and enter your zip code.
Will you really save $440 on insurance?
Big name companies like Progressive, Allstate and GEICO seem to constantly run television, radio, and online ads. All the ads seem to make the promise about savings if you get a free insurance coverage quote and switch to their company. How does every company charge less that you’re paying now? Here is how they do it.
All the different companies quote their best rates for the right customer that will most likely be profitable. For instance, a profitable customer might be described as over the age of 40, has other policies, and has a short commute. A customer getting a price quote who fits those characteristics will get the preferred prices and will most likely save quite a bit of money when switching.
Consumers who are not a match for those standards will probably have to pay a higher premium and this results in business not being written. If you listen to the ad wording, they say “drivers that switch” but not “all drivers who get quotes” save that much money. That’s why companies can state the savings. This emphasizes why you should get price quotes at each policy renewal. It’s not possible to predict which insurance companies will give you the biggest savings.
Auto insurance coverage information
Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.
Uninsured and underinsured coverage
This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your GMC Sierra 1500.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
This pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like vandalism, fire damage and rock chips in glass. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability coverage can cover damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.
Liability can pay for things such as court costs, medical services, repair costs for stationary objects and emergency aid. How much coverage you buy is a personal decision, but consider buying as much as you can afford.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like chiropractic care, pain medications, prosthetic devices and surgery. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Auto collision coverage
This coverage will pay to fix damage to your Sierra 1500 caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like backing into a parked car, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.
Summing up your car insurance search
We’ve covered many ideas to get a better price on 2019 GMC Sierra 1500 insurance. The key thing to remember is the more you quote insurance coverage, the higher your chance of finding low cost insurance coverage. You may even find the best price on car insurance is with an unexpected company. Some small companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.
As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced collision coverage only to find out they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at the best possible price while still protecting your assets.
Some companies may not offer rates over the internet and many times these smaller providers only sell through independent agents. Cheap 2019 GMC Sierra 1500 insurance is available on the web in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates.
Much more information about car insurance can be found on the following sites:
- Speed and Speed Limit FAQ (iihs.org)
- Auto Theft Statistics (Insurance Information Insitute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- Prom Night Tips for Teen Drivers (State Farm)
- Teen Driver Licensing Information (iihs.org)
- Auto Insurance Basics (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$2,259|
|Los Angeles, CA||$2,445|
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||$107|
|5-yr Claim Free||$92|
|Paid in Full/EFT||$66|
Discounts are estimated and may not be available from every company or in every state.