GMC Sierra Insurance Rates

U.S. average insurance rates for a GMC Sierra are $1,210 a year with full coverage. Comprehensive costs on average $224 a year, collision costs $368, and liability coverage costs $460. A policy with just liability insurance costs as little as $510 a year, with coverage for high-risk drivers costing around $2,618. Teen drivers pay the highest rates at $4,702 a year or more.

Average premium for full coverage: $1,210

Price estimates by individual coverage:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Sierra trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above demonstrate why it is important to compare rates based on a specific location, rather than using price averages.

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

More Rate Information

The chart below details estimated GMC Sierra insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $712
• Drivers who choose higher $1,000 deductibles will pay around $1,076 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,210
• Choosing low $100 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 upwards of $2,618 or more
• The price that insures a teenage driver may cost $4,702 a year

View Chart as Image

Insurance prices for a GMC Sierra are also quite variable based on the trim level of your Sierra, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 129% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $4,700 a year. View Rates by Age

The state you live in makes a big difference in GMC Sierra insurance rates. A 40-year-old driver could pay as low as $870 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,640 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could save up to $400 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every company uses a different rate calculation, so the prices may be quite different.

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 Cheap GMC Sierra Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Shop around every time your policy renews by getting price quotes from direct companies, and also from several local insurance agents.

Below is a brief summary of the information covered above.

• You may be able to save as much as $140 per year simply by quoting early and online
• Teenage drivers pay the highest prices, costing up to $392 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $400 each year
• Drivers that tend to have accidents or serious violations pay on average $1,410 more each year for auto insurance
• Consumers who require higher levels of liability will pay about $510 every year to go from a low limit to the 250/500 level