GMC Sierra Insurance Rates

U.S. average auto insurance rates for a GMC Sierra are $1,210 annually including full coverage. Comprehensive costs approximately $224 a year, collision costs $368, and liability costs around $460. Liability-only coverage costs as low as $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:

Full coverage includes $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Sierra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities.

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

The ranges above highlight why it is important to compare prices using their specific location and their own personal driving habits, instead of making a decision based on 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
• Using higher $1,000 deductibles will save $1,076 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,210
• Using low $100 deductibles for physical damage coverage will cost $1,470
• High-risk insureds who are prone to accidents and violations could pay around $2,618 or more
• The price with full coverage for a 16-year-old driver can cost $4,702 or more

View Chart as Image

Auto insurance prices for a GMC Sierra are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $400 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on GMC Sierra insurance prices. A driver around age 40 might see 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

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices may be quite 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 More Affordable GMC Sierra Insurance

Getting lower rates on insurance for a GMC Sierra requires not taking risks behind the wheel, having above-average credit, being claim-free, and not having any coverage lapses. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following is a summary of the ideas that were covered above.

• Teens have the highest car insurance prices, possibly costing $392 a month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,410 more per year for Sierra insurance
• Increasing physical damage deductibles could save up to $400 each year
• You may be able to save around $140 per year simply by quoting early and online