GMC Sierra Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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...
Licensed Insurance Agent
UPDATED: Jun 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for a GMC Sierra are $1,210 annually for full coverage. Comprehensive insurance costs on average $224, collision insurance costs $368, and liability insurance is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $2,618 or more. Teenage drivers pay the highest rates at up to $4,702 a year.
Average premium for full coverage: $1,210
Price estimates by individual coverage:
Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different Sierra trim levels.
Price Range from Low to High
For the average 40-year-old driver, GMC Sierra insurance prices range from as cheap as $510 for basic liability insurance to a much higher rate of $2,618 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have fewer accident claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, 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.
Rate Comparisons
The chart below shows average GMC Sierra insurance rates for different risk profiles and scenarios.
- The best discount rate is $712
- Raising to $1,000 deductibles will save around $134 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,210
- Using more expensive low deductibles costs an additional $260 a year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,618
- The price with full coverage for a teen driver with full coverage may cost $4,702
Car insurance prices for a GMC Sierra are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $400 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
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 $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 Buy Low Cost GMC Sierra Insurance
Getting lower rates on GMC Sierra insurance consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
Below is a review of the data touched on in this article.
- Drivers who require higher levels of liability will pay an extra $510 each year to raise from a low limit to higher 250/500 limits
- Drivers can save as much as $140 per year just by shopping early and online
- Increasing physical damage deductibles could save up to $400 each year
- Teenage drivers are expensive to insure, with premiums as much as $392 a month if comprehensive and collision insurance is included
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
