GMC Sierra Insurance Rates

The 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 coverage is estimated at $460. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing $2,618 or more. Teenage drivers cost the most to insure at $4,702 a year or more.

Average premium for full coverage: $1,210

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

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

The examples above show why anyone shopping for car insurance should get quotes using their specific location, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $712
• Choosing higher $1,000 deductibles can save $134 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,210
• Using more expensive low deductibles for comp and collision coverage will cost an additional $260 each year
• Drivers who are prone to accidents and violations could pay around $2,618 or more
• Policy cost that insures a teenage driver with full coverage can cost $4,702 each year

View Chart as Image

Insurance rates for a GMC Sierra also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for GMC Sierra insurance rates. A good driver about age 40 could pay 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 can save as much as $400 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, so the rates will be varied.

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

Finding cheaper rates on auto insurance takes being a good driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every time your policy renews by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The following list is a recap of the information touched on above.

• Drivers can save around $140 per year simply by shopping early and online
• Drivers age 16 to 20 are expensive to insure, costing up to $392 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Drivers that have major violations or accidents could be forced to pay on average $1,410 more per year than a safer driver
• Consumers who purchase an increased level of liability coverage will pay an extra $510 each year to raise limits from a 30/60 limit to the 250/500 level