GMC Sierra Insurance Rates

The average insurance rates for a GMC Sierra are $1,210 a year including full coverage. Comprehensive costs an estimated $224, collision insurance costs $368, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $2,618. Teen drivers cost the most to insure at up to $4,702 a year.

Average premium for full coverage: $1,210

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Sierra models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.

The examples above highlight why everyone should compare rates for a targeted area, rather than using price averages.

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

Additional Rate Analysis

The chart below breaks down average GMC Sierra insurance rates for other coverage scenarios.

• The lowest rate with discounts is $712
• Drivers who choose higher $1,000 deductibles will pay approximately $134 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,210
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,470
• High-risk insureds with multiple violations and an at-fault accident could pay up to $2,618
• Policy cost that insures a teenage driver for full coverage can cost as much as $4,702 a year

View Chart as Image

Insurance rates for a GMC Sierra also range considerably based on the model of your Sierra, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $2,000 additional every year, depending on your age. GMC Sierra insurance for high-risk drivers can cost around 43% to 129% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age

Your home state makes a big difference in GMC Sierra insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,730 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $400 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2017 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 Find Affordable GMC Sierra Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around at least once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief review of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
• Drivers with DUI or reckless driving convictions could be charged and average of $1,410 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $392 each month if comprehensive and collision insurance is included