GMC Sierra Insurance Rates

The average insurance prices for a GMC Sierra are $1,258 every 12 months with full coverage. Comprehensive insurance costs on average $240, collision costs $400, and liability is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing $2,720 or more. Teenage drivers cost the most to insure at $4,852 a year or more.

Average premium for full coverage: $1,258

Policy rates by type of insurance:

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Sierra models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities.

The example below illustrates how where you live affects car insurance rates.

The examples above demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Analysis

The chart below details estimated GMC Sierra insurance rates for different risk profiles and scenarios.

• The best discount rate is $736
• Raising to $1,000 deductibles will save around $146 annually
• The average price for a good driver age 40 with $500 deductibles is $1,258
• Using pricier low deductibles costs an extra $280 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,720 or more
• Policy cost to insure a teen driver for full coverage may cost $4,852

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Car insurance rates for a GMC Sierra also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Sierra.

Using high physical damage deductibles can reduce rates by up to $430 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. GMC Sierra insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on GMC Sierra insurance prices. A middle-age driver might find rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,700 on average in Florida, Michigan, and New York.

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Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes 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 Shop for the Right GMC Sierra Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Take the time to comparison shop once a year by requesting quotes from direct companies, and also from local exclusive and independent agents.

The following items are a quick rundown of the data that was touched on in the above illustrations.

• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Policyholders who require additional liability coverage will pay an extra $510 every year to raise from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are expensive to insure, as much as $404 each month if the policy includes full coverage
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,460 more each year than a driver with a clean driving record