GMC Sierra Insurance Rates

U.S. average insurance rates for a GMC Sierra are $1,210 a year for full coverage insurance. Comprehensive insurance costs an estimated $224 a year, collision costs $368, and liability is $460. A policy with just liability insurance costs around $510 a year, with coverage for high-risk drivers costing $2,618 or more. 16-year-old drivers pay the highest rates at $4,702 a year or more.

Average premium for full coverage: $1,210

Price estimates broken down by individual coverage:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Sierra trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why it is important to compare rates quotes for a targeted area and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $712
• Raising to $1,000 deductibles will save approximately $1,076 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,210
• Buying low $100 deductibles will cost an extra $260 every year
• At-risk drivers with multiple tickets or accidents could pay up to $2,618 or more
• The price for full coverage for a teen driver can cost as much as $4,702

View Chart as Image

Insurance prices for a GMC Sierra are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,700 a year. View Rates by Age

The state you live in also has a big influence on GMC Sierra insurance prices. A middle-age driver might find prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,640 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $400 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see which company has the best price. Every auto insurance company utilizes a different rate formula, so the prices may be quite different from one company to the next.

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 Low Cost GMC Sierra Insurance

Getting lower rates on car insurance consists of having a good driving record, maintaining good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates every time your policy renews by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a review of the information covered in the above illustrations.

• It is possible to save approximately $140 per year simply by quoting early and online
• Drivers age 20 and younger are charged the highest prices, as much as $392 a month for full coverage
• Increasing physical damage deductibles can save around $400 each year
• Higher risk drivers who have several accidents or serious violations pay on average $1,410 more annually to buy GMC Sierra insurance
• Policyholders who want increased levels of liability coverage will pay around $510 annually to raise from a low limit to 250/500 limits