GMC Sierra Insurance Rates

Estimated insurance prices for a GMC Sierra are $1,258 every 12 months for full coverage insurance. Comprehensive costs around $240 a year, collision insurance costs $400, and liability insurance is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs around $2,720. Teenage drivers pay the most at up to $4,852 a year.

Average premium for full coverage: $1,258

Premium estimates for type of coverage:

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Sierra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance rates.

These rate differences illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below illustrates average GMC Sierra insurance rates for additional coverage choices and driver risks.

• The best discount rate is $736
• Raising to $1,000 deductibles will save about $1,112 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,258
• Using low $100 deductibles increases the price to $1,538
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,720
• An auto insurance policy to insure a teen driver can be $4,852

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Insurance prices for a GMC Sierra also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles can reduce prices by up to $430 each year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on GMC Sierra insurance rates. A middle-age driver might find prices as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,700 on average in Michigan, New York, and Florida.

View Chart as Image

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 Shop for the Right GMC Sierra Insurance

Finding better rates on GMC Sierra insurance consists of being a low-risk driver, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest time comparing rates at every policy renewal by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a quick rundown of the data covered in the charts and tables above.

• Drivers who may need more liability coverage will pay an extra $510 annually to raise from 30/60 bodily injury limits to a 250/500 level
• It is possible to save up to $150 per year just by quoting early and online
• Increasing policy deductibles could save as much as $425 each year
• Teen drivers pay higher prices, with premiums being up to $404 per month if they have full coverage