GMC Sierra Insurance Rates

U.S. average insurance rates for a GMC Sierra are $1,210 a year including full coverage. Comprehensive costs approximately $224, collision costs $368, and liability coverage is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,618. Teenage drivers pay the highest rates at $4,702 a year or more.

Average premium for full coverage: $1,210

Price estimates by individual coverage:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Sierra models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

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

The ranges above highlight why everyone should compare rates quotes using their specific location, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $712
• Raising to $1,000 deductibles will save $134 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,210
• Using pricier low deductibles bumps up the cost to $1,470
• Unlucky drivers who are prone to accidents and violations could pay around $2,618 or more
• The price that insures a teenage driver for full coverage can cost $4,702

View Chart as Image

Auto insurance prices for a GMC Sierra are also quite variable based on the model of your Sierra, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. GMC Sierra insurance for high-risk drivers is expensive and can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age

The state you live in also has a big influence on GMC Sierra insurance rates. A middle-age driver might find prices as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,730 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $400 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.

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 Low Cost GMC Sierra Insurance

Getting lower rates on auto insurance consists of having a good driving record, maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare prices every time your policy renews by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a review of the information covered above.

• You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
• Drivers age 20 and younger have the highest car insurance prices, possibly costing $392 a month if the policy includes full coverage
• Increasing physical damage deductibles can save approximately $400 each year
• Drivers who have several accidents or serious violations will likely pay on average $1,410 more per year to buy GMC Sierra insurance
• Consumers who purchase increased levels of liability coverage will pay an extra $510 per year to raise from a low limit to the 250/500 level