GMC Sierra Insurance Rates

U.S. average insurance rates for a GMC Sierra are $1,210 a year including full coverage. Comprehensive insurance costs around $224 a year, collision costs $368, and liability coverage is $460. Liability-only coverage costs around $510 a year, with high-risk coverage 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 for individual coverage:

These estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Sierra trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance rates.

The ranges above highlight why it is important to compare rates quotes for a specific zip code, rather than using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated GMC Sierra insurance rates for additional coverage choices and driver risks.

• The best discount rate is $712
• Raising to $1,000 deductibles will save about $1,076 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,210
• Using low $100 deductibles will cost an additional $260 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,618 or more
• The price that insures a teenage driver can be $4,702

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at least $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $4,700 a year. View Rates by Age

The state you live in also has a big influence on GMC Sierra insurance rates. A middle-age driver might find prices as low as $930 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,730 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $400 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted 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 consists of having a good driving record, maintaining a good credit score, being claim-free, and maximizing policy discounts. Compare prices at least once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The next list is a brief summary of the primary concepts that were illustrated above.

• You may be able to save up to $140 per year simply by quoting early and online
• Drivers that tend to have accidents or serious violations may have to pay on average $1,410 more every year to buy GMC Sierra insurance
• Increasing physical damage deductibles can save approximately $400 each year
• Drivers age 20 and younger are expensive to insure, possibly costing $392 a month if the policy includes full coverage