Insurance for GMC Vehicles

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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...

Insurance Lawyer

UPDATED: Jun 4, 2023

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The table below shows average insurance prices for popular GMC vehicles. More models are listed at the end of this page

Insurance Rates for GMC Vehicles
Vehicle Model Annual Premium Monthly Premium
GMC Acadia $1,294 $108
GMC Canyon $1,324 $110
GMC Sierra $1,460 $122
GMC Terrain $1,336 $111
GMC Yukon $1,500 $125
Get Rates for Your Model Go

Rates assume current 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.

View Chart as Image

Average insurance cost for GMC vehicles
Column chart showing average insurance prices for GMC vehicles range from $802 to $5,074 for full coverage

The prior chart uses the data from all GMC vehicles listed in the table above to demonstrate how variations in coverage can impact auto insurance prices.

Insurance rates for a GMC range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,000 a year.

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. GMC insurance for high-risk drivers ranges anywhere from 43% to 129% more than the average rate.

View Chart as Image

GMC insurance by risk and age

Opting for high physical damage deductibles can save as much as $570 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 more per year

View Chart as Image

GMC insurance by deductible and liability limit

Your home state plays a big part in determining prices for GMC insurance rates. A good driver about age 40 could pay as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or at least $1,820 on average in New Jersey, Michigan, and Montana.

GMC Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,250 -$134 -9.7%
Alaska $1,062 -$322 -23.3%
Arizona $1,148 -$236 -17.1%
Arkansas $1,384 -$0 0.0%
California $1,576 $192 13.9%
Colorado $1,324 -$60 -4.3%
Connecticut $1,422 $38 2.7%
Delaware $1,568 $184 13.3%
Florida $1,732 $348 25.1%
Georgia $1,280 -$104 -7.5%
Hawaii $994 -$390 -28.2%
Idaho $936 -$448 -32.4%
Illinois $1,032 -$352 -25.4%
Indiana $1,040 -$344 -24.9%
Iowa $936 -$448 -32.4%
Kansas $1,316 -$68 -4.9%
Kentucky $1,888 $504 36.4%
Louisiana $2,050 $666 48.1%
Maine $854 -$530 -38.3%
Maryland $1,142 -$242 -17.5%
Massachusetts $1,108 -$276 -19.9%
Michigan $2,404 $1,020 73.7%
Minnesota $1,160 -$224 -16.2%
Mississippi $1,658 $274 19.8%
Missouri $1,228 -$156 -11.3%
Montana $1,488 $104 7.5%
Nebraska $1,092 -$292 -21.1%
Nevada $1,660 $276 19.9%
New Hampshire $998 -$386 -27.9%
New Jersey $1,548 $164 11.8%
New Mexico $1,224 -$160 -11.6%
New York $1,458 $74 5.3%
North Carolina $798 -$586 -42.3%
North Dakota $1,134 -$250 -18.1%
Ohio $954 -$430 -31.1%
Oklahoma $1,422 $38 2.7%
Oregon $1,268 -$116 -8.4%
Pennsylvania $1,320 -$64 -4.6%
Rhode Island $1,846 $462 33.4%
South Carolina $1,256 -$128 -9.2%
South Dakota $1,168 -$216 -15.6%
Tennessee $1,214 -$170 -12.3%
Texas $1,668 $284 20.5%
Utah $1,026 -$358 -25.9%
Vermont $948 -$436 -31.5%
Virginia $828 -$556 -40.2%
Washington $1,070 -$314 -22.7%
West Virginia $1,268 -$116 -8.4%
Wisconsin $958 -$426 -30.8%
Wyoming $1,234 -$150 -10.8%

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates will be varied between companies.

Additional GMC Vehicles

U.S. averages for full coverage GMC vehicle insurance

Average Policy Cost $1,384
Comprehensive Premium $322
Collision Premium $532
Liability Premium $372

National average data is compiled from all 50 U.S. states for the GMC models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

GMC Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $5,074
20 $3,170
30 $1,448
40 $1,384
50 $1,264
60 $1,238

Full coverage, $500 deductibles

Rates by Deductible

GMC Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,756
$250 $1,586
$500 $1,384
$1,000 $1,188

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $7,238
20 $5,030
30 $3,042
40 $2,976
50 $2,836
60 $2,808

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $101
5-yr Claim Free $88
Paid in Full/EFT $63
Advance Quote $68
Online Quote $98
Total Discounts $582
Rate after discounts $802

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

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