GMC Sierra Insurance Rates

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

Average premium for full coverage: $1,210

Price estimates by individual coverage:

Includes $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different Sierra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities.

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

The ranges above show why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using average rates.

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

Rate Comparisons

The chart below shows estimated GMC Sierra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $712
• Using higher $1,000 deductibles will save $134 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,210
• Using more expensive low deductibles for physical damage coverage will cost an extra $260 every year
• Drivers who are prone to accidents and violations could pay around $2,618 or more
• The price for full coverage for a teen driver with full coverage can cost $4,702 or more

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

The state you live in has a huge impact on GMC Sierra insurance prices. A driver around age 40 might see prices as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,730 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $400 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 additional each year, depending on your age. High-risk driver insurance can be as much as 43% to 129% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, and 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 the Cheapest GMC Sierra Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every year by requesting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a recap of the coverage data covered in the charts and tables above.

• Drivers can save around $140 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $400 each year
• Teens are the costliest to insure, with premiums as much as $392 a month including comprehensive and collision insurance
• Higher risk drivers that have major violations or accidents may pay on average $1,410 more per year for Sierra insurance