GMC Sierra Insurance Rates

Estimated auto insurance rates for a GMC Sierra are $1,210 annually including full coverage. Comprehensive insurance costs an estimated $224, collision costs $368, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing $2,618 or more. Teenage drivers pay the most at $4,702 a year or more.

Average premium for full coverage: $1,210

Premium estimates broken down by type of coverage:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Sierra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

These rate differences highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $712
• Choosing higher $1,000 deductibles can save approximately $134 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,210
• Using more expensive low deductibles for comp and collision coverage costs an additional $260 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,618 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,702 each year

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Insurance prices for a GMC Sierra also have a wide range based on the model of your Sierra, your driving characteristics, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $400 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for GMC Sierra insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,730 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different between companies.

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 Buy the Right GMC Sierra Insurance

Finding better rates on GMC Sierra insurance takes avoiding accidents and violations, having a good credit history, refrain from filing small claims, and taking advantage of discounts. Invest time comparing rates at least once a year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a quick rundown of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $140 per year simply by shopping early and online
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,410 more annually for car insurance
• Increasing policy deductibles could save up to $400 each year
• Teenagers are charged the highest prices, with the cost nearing $392 per month including comprehensive and collision insurance