GMC Canyon Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 17, 2024
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The average insurance rates for a GMC Canyon are $998 a year for full coverage insurance. Comprehensive insurance costs around $156 each year, collision insurance costs $210, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $2,148 or more. Teens cost the most to insure at up to $4,040 a year.
Average premium for full coverage: $998
Policy rates for type of insurance:
Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Canyon models.
Price Range Variability
For the normal driver, GMC Canyon insurance rates range from as low as $522 for the bare minimum liability coverage to a high rate of $2,148 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.
The examples above illustrate why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.
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 Rate Information
The chart below illustrates average GMC Canyon insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $606
- Drivers who choose higher $1,000 deductibles will pay about $84 each year
- The average rate for a good driver age 40 using $500 deductibles is $998
- Selecting low deductibles for comprehensive and collision insurance will cost an extra $156 annually
- Drivers with serious driving violations could pay at least $2,148
- Policy cost for full coverage for a 16-year-old driver can be $4,040 a year
Auto insurance rates for a GMC Canyon also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,000 a year. View Rates by Age
Your home state makes a big difference in GMC Canyon insurance prices. A 40-year-old driver could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,350 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $902 | -$96 | -9.6% |
| Alaska | $762 | -$236 | -23.6% |
| Arizona | $826 | -$172 | -17.2% |
| Arkansas | $998 | -$0 | 0.0% |
| California | $1,134 | $136 | 13.6% |
| Colorado | $952 | -$46 | -4.6% |
| Connecticut | $1,026 | $28 | 2.8% |
| Delaware | $1,130 | $132 | 13.2% |
| Florida | $1,248 | $250 | 25.1% |
| Georgia | $920 | -$78 | -7.8% |
| Hawaii | $716 | -$282 | -28.3% |
| Idaho | $674 | -$324 | -32.5% |
| Illinois | $742 | -$256 | -25.7% |
| Indiana | $748 | -$250 | -25.1% |
| Iowa | $672 | -$326 | -32.7% |
| Kansas | $948 | -$50 | -5.0% |
| Kentucky | $1,360 | $362 | 36.3% |
| Louisiana | $1,474 | $476 | 47.7% |
| Maine | $616 | -$382 | -38.3% |
| Maryland | $820 | -$178 | -17.8% |
| Massachusetts | $798 | -$200 | -20.0% |
| Michigan | $1,732 | $734 | 73.5% |
| Minnesota | $834 | -$164 | -16.4% |
| Mississippi | $1,192 | $194 | 19.4% |
| Missouri | $884 | -$114 | -11.4% |
| Montana | $1,070 | $72 | 7.2% |
| Nebraska | $786 | -$212 | -21.2% |
| Nevada | $1,196 | $198 | 19.8% |
| New Hampshire | $716 | -$282 | -28.3% |
| New Jersey | $1,114 | $116 | 11.6% |
| New Mexico | $884 | -$114 | -11.4% |
| New York | $1,050 | $52 | 5.2% |
| North Carolina | $574 | -$424 | -42.5% |
| North Dakota | $816 | -$182 | -18.2% |
| Ohio | $688 | -$310 | -31.1% |
| Oklahoma | $1,024 | $26 | 2.6% |
| Oregon | $912 | -$86 | -8.6% |
| Pennsylvania | $952 | -$46 | -4.6% |
| Rhode Island | $1,328 | $330 | 33.1% |
| South Carolina | $902 | -$96 | -9.6% |
| South Dakota | $840 | -$158 | -15.8% |
| Tennessee | $874 | -$124 | -12.4% |
| Texas | $1,200 | $202 | 20.2% |
| Utah | $738 | -$260 | -26.1% |
| Vermont | $684 | -$314 | -31.5% |
| Virginia | $596 | -$402 | -40.3% |
| Washington | $772 | -$226 | -22.6% |
| West Virginia | $912 | -$86 | -8.6% |
| Wisconsin | $690 | -$308 | -30.9% |
| Wyoming | $888 | -$110 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles could save up to $240 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 134% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Canyon SLE Regular Cab 2WD | $942 | $79 |
| GMC Canyon SLE Ext Cab 2WD | $962 | $80 |
| GMC Canyon SLE Ext Cab Z71 2WD | $962 | $80 |
| GMC Canyon SLE Crew Cab 2WD | $982 | $82 |
| GMC Canyon SLE Crew Cab Z71 2WD | $1,002 | $84 |
| GMC Canyon SLE Regular Cab 4WD | $950 | $79 |
| GMC Canyon SLT Ext Cab 2WD | $1,002 | $84 |
| GMC Canyon SLE Ext Cab 4WD | $972 | $81 |
| GMC Canyon SLT Crew Cab 2WD | $1,024 | $85 |
| GMC Canyon SLE Ext Cab Z71 4WD | $990 | $83 |
| GMC Canyon SLE Crew Cab 4WD | $1,012 | $84 |
| GMC Canyon SLE Crew Cab Z71 4WD | $1,030 | $86 |
| GMC Canyon SLT Crew Cab 4WD | $1,030 | $86 |
| GMC Canyon SLT Ext Cab 4WD | $1,030 | $86 |
Rates assume 2011 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 |
|---|---|---|---|---|
| 2024 GMC Canyon | $280 | $482 | $390 | $1,310 |
| 2023 GMC Canyon | $270 | $478 | $398 | $1,304 |
| 2022 GMC Canyon | $260 | $466 | $416 | $1,300 |
| 2021 GMC Canyon | $250 | $446 | $430 | $1,284 |
| 2020 GMC Canyon | $238 | $430 | $442 | $1,268 |
| 2019 GMC Canyon | $228 | $400 | $452 | $1,238 |
| 2018 GMC Canyon | $218 | $376 | $456 | $1,208 |
| 2017 GMC Canyon | $210 | $338 | $460 | $1,166 |
| 2016 GMC Canyon | $196 | $310 | $460 | $1,124 |
| 2015 GMC Canyon | $190 | $292 | $464 | $1,104 |
| 2012 GMC Canyon | $166 | $228 | $478 | $1,030 |
| 2011 GMC Canyon | $156 | $210 | $474 | $998 |
| 2010 GMC Canyon | $146 | $190 | $474 | $968 |
| 2006 GMC Canyon | $126 | $152 | $446 | $882 |
| 2005 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 Find the Cheapest GMC Canyon Insurance
Finding cheaper rates on insurance for a GMC Canyon not only requires having a decent driving record, but also having good credit, being claim-free, and possibly raising deductibles. Invest the time to compare rates every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a recap of the material that was presented in the illustrations above.
- Insureds who may need additional liability coverage will pay approximately $520 annually to go from a 30/60 limit to 250/500 limits
- 16 to 18-year-old drivers are expensive to insure, possibly costing $337 each month if they have full coverage
- Drivers considered higher risk that have major violations or accidents may pay on average $1,150 more every year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $250 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,040 |
| 20 | $2,282 |
| 30 | $1,012 |
| 40 | $998 |
| 50 | $914 |
| 60 | $896 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,154 |
| $250 | $1,082 |
| $500 | $998 |
| $1,000 | $914 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $998 |
| 50/100 | $1,125 |
| 100/300 | $1,243 |
| 250/500 | $1,551 |
| 100 CSL | $1,172 |
| 300 CSL | $1,433 |
| 500 CSL | $1,623 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,688 |
| 20 | $3,640 |
| 30 | $2,162 |
| 40 | $2,148 |
| 50 | $2,054 |
| 60 | $2,032 |
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 | $50 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $60 |
| 5-yr Claim Free | $63 |
| Paid in Full/EFT | $36 |
| Advance Quote | $44 |
| Online Quote | $67 |
| Total Discounts | $392 |
Discounts are estimated and may not be available from every company or in every state.
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