GMC Sierra Insurance Rates

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

Average premium for full coverage: $1,210

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Sierra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These examples demonstrate why it is important to compare prices using their specific location and risk profile, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $712
• Using higher $1,000 deductibles will save $1,076 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,210
• Using low $100 deductibles for physical damage coverage will cost an extra $260 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,618 or more
• The cost for full coverage for a teenage driver can cost $4,702 or more

View Chart as Image

Insurance rates for a GMC Sierra can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live has a huge impact on GMC Sierra insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,640 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $400 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 129% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates can be significantly 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 More Affordable GMC Sierra Insurance

Saving money on auto insurance requires having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every year by requesting rates from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a summary of the coverage data covered above.

• You may be able to save around $140 per year simply by quoting early and online
• Increasing deductibles can save around $400 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $392 per month for full coverage
• Drivers who have multiple accidents or major violations pay on average $1,410 more per year than a driver with a clean driving record