GMC Sierra Insurance Rates

Estimated auto insurance rates for a GMC Sierra are $1,210 annually for full coverage insurance. Comprehensive insurance costs approximately $224 a year, collision costs $368, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $2,618 or more. Teen drivers pay the most at $4,702 a year or more.

Average premium for full coverage: $1,210

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Sierra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance prices.

These rate differences illustrate why it is important to compare prices using their specific location and their own personal driving habits, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $712
• Using higher $1,000 deductibles will save $1,076 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,210
• Choosing low $100 deductibles for physical damage coverage costs an additional $260 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,618 or more
• An auto insurance policy with full coverage for a teenage driver can cost $4,702 or more

View Chart as Image

Insurance prices for a GMC Sierra also have a wide range based on the model of your Sierra, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy can be around 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $400 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on GMC Sierra insurance rates. A driver around age 40 might see prices as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,640 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the prices will be substantially different between companies.

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 Buy Affordable GMC Sierra Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at every other renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The points below are a brief review of the concepts that were touched on above.

• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,410 more per year to insure a GMC Sierra
• Drivers under the age of 20 are expensive to insure, with premiums being up to $392 per month including comprehensive and collision insurance
• It is possible to save around $140 per year simply by quoting early and online
• Increasing policy deductibles could save up to $400 each year
• It is possible to save around $140 per year simply by quoting early and online