GMC Canyon Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated auto insurance rates for a GMC Canyon are $1,238 annually for full coverage insurance. Comprehensive insurance costs around $228 each year, collision costs $400, and liability coverage is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing $2,680 or more. 16-year-old drivers pay the most at $4,788 a year or more.
Average premium for full coverage: $1,238
Premium estimates for type of coverage:
Price estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Canyon models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a GMC Canyon go from as cheap as $504 for liability-only coverage to a high rate of $2,680 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities.
The graphic below illustrates how location helps determine auto insurance rates.
These rate differences illustrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates estimated GMC Canyon insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $724
- Raising to $1,000 deductibles will save about $142 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,238
- Buying low deductibles costs an additional $276 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,680 or more
- An auto insurance policy with full coverage for a teenage driver can be $4,788
Insurance prices for a GMC Canyon also have a wide range based on the model of your Canyon, your risk profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $420 a year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on GMC Canyon insurance rates. A middle-age driver might find prices as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,670 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,120 | -$118 | -9.5% |
| Alaska | $948 | -$290 | -23.4% |
| Arizona | $1,028 | -$210 | -17.0% |
| Arkansas | $1,238 | -$0 | 0.0% |
| California | $1,410 | $172 | 13.9% |
| Colorado | $1,182 | -$56 | -4.5% |
| Connecticut | $1,272 | $34 | 2.7% |
| Delaware | $1,400 | $162 | 13.1% |
| Florida | $1,550 | $312 | 25.2% |
| Georgia | $1,142 | -$96 | -7.8% |
| Hawaii | $888 | -$350 | -28.3% |
| Idaho | $836 | -$402 | -32.5% |
| Illinois | $922 | -$316 | -25.5% |
| Indiana | $932 | -$306 | -24.7% |
| Iowa | $834 | -$404 | -32.6% |
| Kansas | $1,176 | -$62 | -5.0% |
| Kentucky | $1,690 | $452 | 36.5% |
| Louisiana | $1,832 | $594 | 48.0% |
| Maine | $762 | -$476 | -38.4% |
| Maryland | $1,020 | -$218 | -17.6% |
| Massachusetts | $990 | -$248 | -20.0% |
| Michigan | $2,150 | $912 | 73.7% |
| Minnesota | $1,034 | -$204 | -16.5% |
| Mississippi | $1,482 | $244 | 19.7% |
| Missouri | $1,096 | -$142 | -11.5% |
| Montana | $1,330 | $92 | 7.4% |
| Nebraska | $976 | -$262 | -21.2% |
| Nevada | $1,486 | $248 | 20.0% |
| New Hampshire | $892 | -$346 | -27.9% |
| New Jersey | $1,382 | $144 | 11.6% |
| New Mexico | $1,096 | -$142 | -11.5% |
| New York | $1,302 | $64 | 5.2% |
| North Carolina | $714 | -$524 | -42.3% |
| North Dakota | $1,014 | -$224 | -18.1% |
| Ohio | $856 | -$382 | -30.9% |
| Oklahoma | $1,270 | $32 | 2.6% |
| Oregon | $1,132 | -$106 | -8.6% |
| Pennsylvania | $1,182 | -$56 | -4.5% |
| Rhode Island | $1,650 | $412 | 33.3% |
| South Carolina | $1,120 | -$118 | -9.5% |
| South Dakota | $1,044 | -$194 | -15.7% |
| Tennessee | $1,084 | -$154 | -12.4% |
| Texas | $1,492 | $254 | 20.5% |
| Utah | $916 | -$322 | -26.0% |
| Vermont | $848 | -$390 | -31.5% |
| Virginia | $740 | -$498 | -40.2% |
| Washington | $956 | -$282 | -22.8% |
| West Virginia | $1,134 | -$104 | -8.4% |
| Wisconsin | $856 | -$382 | -30.9% |
| Wyoming | $1,104 | -$134 | -10.8% |
With such a large range in prices, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Canyon SLE Regular Cab 2WD | $1,146 | $96 |
| GMC Canyon SLE Ext Cab 2WD | $1,180 | $98 |
| GMC Canyon SLE Ext Cab Z71 2WD | $1,180 | $98 |
| GMC Canyon SLE Crew Cab 2WD | $1,216 | $101 |
| GMC Canyon SLE Crew Cab Z71 2WD | $1,252 | $104 |
| GMC Canyon SLE Regular Cab 4WD | $1,154 | $96 |
| GMC Canyon SLT Ext Cab 2WD | $1,252 | $104 |
| GMC Canyon SLE Ext Cab 4WD | $1,188 | $99 |
| GMC Canyon SLT Crew Cab 2WD | $1,288 | $107 |
| GMC Canyon SLE Ext Cab Z71 4WD | $1,222 | $102 |
| GMC Canyon SLE Crew Cab 4WD | $1,260 | $105 |
| GMC Canyon SLE Crew Cab Z71 4WD | $1,294 | $108 |
| GMC Canyon SLT Crew Cab 4WD | $1,294 | $108 |
| GMC Canyon SLT Ext Cab 4WD | $1,294 | $108 |
Rates assume 2018 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 GMC Canyon | $228 | $400 | $452 | $1,238 |
| 2015 GMC Canyon | $196 | $310 | $460 | $1,124 |
| 2012 GMC Canyon | $172 | $252 | $474 | $1,056 |
| 2006 GMC Canyon | $136 | $160 | $452 | $906 |
| 2005 GMC Canyon | $126 | $152 | $446 | $882 |
| 2004 GMC Canyon | $120 | $144 | $442 | $864 |
Rates are averaged for all GMC Canyon models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper GMC Canyon Insurance
Finding better rates on auto insurance consists of being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates every year by quoting rates from direct insurance companies, and also from several local insurance agents.
Below is a condensed summary of the coverage data covered in the charts and tables above.
- It is possible to save up to $150 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $425 each year
- Teenage drivers pay higher prices, with premiums being up to $399 per month including comprehensive and collision insurance
- Drivers with multiple at-fault accidents pay on average $1,440 more every year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,788 |
| 20 | $2,860 |
| 30 | $1,276 |
| 40 | $1,238 |
| 50 | $1,134 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,514 |
| $250 | $1,386 |
| $500 | $1,238 |
| $1,000 | $1,096 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,238 |
| 50/100 | $1,384 |
| 100/300 | $1,497 |
| 250/500 | $1,791 |
| 100 CSL | $1,430 |
| 300 CSL | $1,678 |
| 500 CSL | $1,859 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,802 |
| 20 | $4,556 |
| 30 | $2,724 |
| 40 | $2,680 |
| 50 | $2,562 |
| 60 | $2,540 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $65 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $86 |
| Total Discounts | $514 |
Discounts are estimated and may not be available from every company or in every state.
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