GMC Sierra Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 6, 2024
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Estimated insurance prices for a GMC Sierra are $1,210 every 12 months for full coverage. Comprehensive insurance costs around $224 a year, collision insurance costs $368, and liability insurance costs $460. A policy with only liability insurance costs as little as $510 a year, and a high-risk policy costs $2,618 or more. Teenage drivers pay the most at up to $4,702 a year.
Average premium for full coverage: $1,210
Premium estimates for type of coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all states and Sierra trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a GMC Sierra range from the cheapest price of $510 for just liability insurance to a high of $2,618 for a policy for a high-risk driver.
Insurance Price Range by Location
Your location has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance rates.
These rate differences show why it is important to compare rates for a specific zip code and their own driving history, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows average GMC Sierra insurance rates for additional coverage choices and driver risks.
- The best discount rate is $712
- Drivers who choose higher $1,000 deductibles will pay about $1,076 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,210
- Using low $100 deductibles for comprehensive and collision insurance costs an extra $260 a year
- High risk drivers who are prone to accidents and violations could pay at least $2,618
- An auto insurance policy to insure a teen driver can be $4,702 a year
Car insurance prices for a GMC Sierra also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles could save up to $400 each year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in GMC Sierra insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,730 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,094 | -$116 | -9.6% |
| Alaska | $928 | -$282 | -23.3% |
| Arizona | $1,006 | -$204 | -16.9% |
| Arkansas | $1,210 | -$0 | 0.0% |
| California | $1,378 | $168 | 13.9% |
| Colorado | $1,158 | -$52 | -4.3% |
| Connecticut | $1,244 | $34 | 2.8% |
| Delaware | $1,368 | $158 | 13.1% |
| Florida | $1,514 | $304 | 25.1% |
| Georgia | $1,116 | -$94 | -7.8% |
| Hawaii | $868 | -$342 | -28.3% |
| Idaho | $820 | -$390 | -32.2% |
| Illinois | $900 | -$310 | -25.6% |
| Indiana | $910 | -$300 | -24.8% |
| Iowa | $814 | -$396 | -32.7% |
| Kansas | $1,150 | -$60 | -5.0% |
| Kentucky | $1,650 | $440 | 36.4% |
| Louisiana | $1,790 | $580 | 47.9% |
| Maine | $748 | -$462 | -38.2% |
| Maryland | $998 | -$212 | -17.5% |
| Massachusetts | $968 | -$242 | -20.0% |
| Michigan | $2,102 | $892 | 73.7% |
| Minnesota | $1,014 | -$196 | -16.2% |
| Mississippi | $1,450 | $240 | 19.8% |
| Missouri | $1,072 | -$138 | -11.4% |
| Montana | $1,300 | $90 | 7.4% |
| Nebraska | $954 | -$256 | -21.2% |
| Nevada | $1,452 | $242 | 20.0% |
| New Hampshire | $874 | -$336 | -27.8% |
| New Jersey | $1,354 | $144 | 11.9% |
| New Mexico | $1,072 | -$138 | -11.4% |
| New York | $1,276 | $66 | 5.5% |
| North Carolina | $696 | -$514 | -42.5% |
| North Dakota | $990 | -$220 | -18.2% |
| Ohio | $836 | -$374 | -30.9% |
| Oklahoma | $1,244 | $34 | 2.8% |
| Oregon | $1,108 | -$102 | -8.4% |
| Pennsylvania | $1,156 | -$54 | -4.5% |
| Rhode Island | $1,616 | $406 | 33.6% |
| South Carolina | $1,096 | -$114 | -9.4% |
| South Dakota | $1,020 | -$190 | -15.7% |
| Tennessee | $1,060 | -$150 | -12.4% |
| Texas | $1,460 | $250 | 20.7% |
| Utah | $896 | -$314 | -26.0% |
| Vermont | $828 | -$382 | -31.6% |
| Virginia | $724 | -$486 | -40.2% |
| Washington | $936 | -$274 | -22.6% |
| West Virginia | $1,108 | -$102 | -8.4% |
| Wisconsin | $836 | -$374 | -30.9% |
| Wyoming | $1,080 | -$130 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| GMC Sierra SLE Regular Cab 2WD | $1,124 | $94 |
| GMC Sierra SL Extended Cab 2WD | $1,154 | $96 |
| GMC Sierra SLE Crew Cab 2WD | $1,154 | $96 |
| GMC Sierra SL Crew Cab 2WD | $1,182 | $99 |
| GMC Sierra SLE Crew Cab 2WD | $1,182 | $99 |
| GMC Sierra SLE Extended Cab 4WD | $1,182 | $99 |
| GMC Sierra SLE Regular Cab 4WD | $1,182 | $99 |
| GMC Sierra SLT Extended Cab 2WD | $1,210 | $101 |
| GMC Sierra SL Crew Cab 4WD | $1,210 | $101 |
| GMC Sierra SLE Crew Cab 4WD | $1,210 | $101 |
| GMC Sierra SLT Crew Cab 2WD | $1,238 | $103 |
| GMC Sierra SLT Extended Cab 4WD | $1,238 | $103 |
| GMC Sierra Denali Crew Cab 2WD | $1,268 | $106 |
| GMC Sierra SLT Crew Cab 4WD | $1,268 | $106 |
| GMC Sierra Denali Crew Cab 4WD | $1,294 | $108 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 GMC Sierra | $306 | $566 | $398 | $1,428 |
| 2023 GMC Sierra | $296 | $552 | $416 | $1,422 |
| 2022 GMC Sierra | $286 | $530 | $430 | $1,404 |
| 2021 GMC Sierra | $270 | $512 | $442 | $1,382 |
| 2020 GMC Sierra | $260 | $474 | $452 | $1,344 |
| 2019 GMC Sierra | $250 | $446 | $456 | $1,310 |
| 2017 GMC Sierra | $224 | $368 | $460 | $1,210 |
| 2013 GMC Sierra | $190 | $272 | $478 | $1,098 |
Rates are averaged for all GMC Sierra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable GMC Sierra Insurance
Finding better rates on GMC Sierra insurance not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop every year by getting quotes from direct carriers, and also from local exclusive and independent agents.
The following items are a brief review of the coverage data touched on in the above illustrations.
- Drivers can save up to $140 per year just by quoting early and online
- Increasing policy deductibles could save as much as $400 each year
- 16 to 18-year-old drivers are the costliest to insure, as much as $392 per month if the policy includes full coverage
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,410 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,702 |
| 20 | $2,788 |
| 30 | $1,246 |
| 40 | $1,210 |
| 50 | $1,108 |
| 60 | $1,086 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,470 |
| $250 | $1,348 |
| $500 | $1,210 |
| $1,000 | $1,076 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,210 |
| 50/100 | $1,386 |
| 100/300 | $1,501 |
| 250/500 | $1,800 |
| 100 CSL | $1,432 |
| 300 CSL | $1,685 |
| 500 CSL | $1,869 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,668 |
| 20 | $4,442 |
| 30 | $2,658 |
| 40 | $2,618 |
| 50 | $2,502 |
| 60 | $2,480 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $84 |
| Total Discounts | $498 |
Discounts are estimated and may not be available from every company or in every state.
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