GMC Sierra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2024

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U.S. average insurance prices for a GMC Sierra are $1,310 every 12 months with full coverage. Comprehensive insurance costs around $250 each year, collision costs $446, and liability insurance is $456. A policy with just liability insurance costs around $508 a year, with coverage for high-risk drivers costing $2,842 or more. Teen drivers pay the highest rates at $5,026 a year or more.

Average premium for full coverage: $1,310

Price estimates for individual coverage:

Comprehensive $250
Collision $446
Liability $456

Prices are based on $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Sierra models.

Price Range from Low to High

For a driver around age 40, GMC Sierra insurance prices go from the cheapest price of $508 for minimum levels of liability insurance to a high rate of $2,842 for a policy for a high-risk driver.

Liability Only $508
Full Coverage $1,310
High Risk $2,842

Geographic Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

The ranges above demonstrate why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than relying on price averages.

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.

Additional Rate Details

The chart below details estimated GMC Sierra insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $760
  • Raising to $1,000 deductibles will save about $158 annually
  • The average price for the average middle-age driver using $500 deductibles is $1,310
  • Choosing low deductibles costs an extra $308 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,842 or more
  • The price to insure a teen driver can be $5,026

View Chart as Image

GMC Sierra insurance cost comparison chart
Column chart showing full coverage GMC Sierra insurance prices range from $760 to $5,026

Insurance prices for a GMC Sierra are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Choosing high deductibles can reduce prices by up to $470 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 136% more than average. View High Risk Driver Rates

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 $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, and New York.

GMC Sierra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,186 -$124 -9.5%
Alaska $1,006 -$304 -23.2%
Arizona $1,088 -$222 -16.9%
Arkansas $1,310 -$0 0.0%
California $1,494 $184 14.0%
Colorado $1,252 -$58 -4.4%
Connecticut $1,346 $36 2.7%
Delaware $1,484 $174 13.3%
Florida $1,640 $330 25.2%
Georgia $1,208 -$102 -7.8%
Hawaii $942 -$368 -28.1%
Idaho $886 -$424 -32.4%
Illinois $976 -$334 -25.5%
Indiana $986 -$324 -24.7%
Iowa $884 -$426 -32.5%
Kansas $1,244 -$66 -5.0%
Kentucky $1,788 $478 36.5%
Louisiana $1,940 $630 48.1%
Maine $810 -$500 -38.2%
Maryland $1,080 -$230 -17.6%
Massachusetts $1,048 -$262 -20.0%
Michigan $2,278 $968 73.9%
Minnesota $1,096 -$214 -16.3%
Mississippi $1,568 $258 19.7%
Missouri $1,162 -$148 -11.3%
Montana $1,408 $98 7.5%
Nebraska $1,032 -$278 -21.2%
Nevada $1,572 $262 20.0%
New Hampshire $944 -$366 -27.9%
New Jersey $1,464 $154 11.8%
New Mexico $1,160 -$150 -11.5%
New York $1,380 $70 5.3%
North Carolina $756 -$554 -42.3%
North Dakota $1,072 -$238 -18.2%
Ohio $904 -$406 -31.0%
Oklahoma $1,346 $36 2.7%
Oregon $1,200 -$110 -8.4%
Pennsylvania $1,250 -$60 -4.6%
Rhode Island $1,748 $438 33.4%
South Carolina $1,186 -$124 -9.5%
South Dakota $1,104 -$206 -15.7%
Tennessee $1,146 -$164 -12.5%
Texas $1,578 $268 20.5%
Utah $970 -$340 -26.0%
Vermont $898 -$412 -31.5%
Virginia $786 -$524 -40.0%
Washington $1,012 -$298 -22.7%
West Virginia $1,200 -$110 -8.4%
Wisconsin $908 -$402 -30.7%
Wyoming $1,168 -$142 -10.8%

View Chart as Image

GMC Sierra insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

GMC Sierra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
GMC Sierra SLE Regular Cab 2WD $1,208 $101
GMC Sierra SL Extended Cab 2WD $1,244 $104
GMC Sierra SLE Crew Cab 2WD $1,244 $104
GMC Sierra SL Crew Cab 2WD $1,278 $107
GMC Sierra SLE Crew Cab 2WD $1,278 $107
GMC Sierra SLE Extended Cab 4WD $1,278 $107
GMC Sierra SLE Regular Cab 4WD $1,278 $107
GMC Sierra SLT Extended Cab 2WD $1,310 $109
GMC Sierra SL Crew Cab 4WD $1,310 $109
GMC Sierra SLE Crew Cab 4WD $1,310 $109
GMC Sierra SLT Crew Cab 2WD $1,344 $112
GMC Sierra SLT Extended Cab 4WD $1,344 $112
GMC Sierra Denali Crew Cab 2WD $1,378 $115
GMC Sierra SLT Crew Cab 4WD $1,378 $115
GMC Sierra Denali Crew Cab 4WD $1,410 $118

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.

GMC Sierra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 GMC Sierra $336 $594 $372 $1,460
2023 GMC Sierra $320 $570 $390 $1,438
2022 GMC Sierra $306 $566 $398 $1,428
2021 GMC Sierra $296 $552 $416 $1,422
2020 GMC Sierra $286 $530 $430 $1,404
2019 GMC Sierra $270 $512 $442 $1,382
2018 GMC Sierra $260 $474 $452 $1,344
2017 GMC Sierra $250 $446 $456 $1,310
2013 GMC Sierra $210 $322 $474 $1,164

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 Shop for Affordable GMC Sierra Insurance

Getting lower rates on GMC Sierra insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates every year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief review of the coverage data covered above.

  • You may be able to save up to $160 per year simply by quoting online in advance
  • Increasing physical damage deductibles could save as much as $475 each year
  • Teens pay higher prices, costing up to $419 a month if they have full coverage
  • High-risk drivers with DUI or reckless driving convictions pay on average $1,530 more every year for Sierra insurance

Rates by Driver Age

GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $5,026
20 $3,030
30 $1,356
40 $1,310
50 $1,198
60 $1,174

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,474
$500 $1,310
$1,000 $1,152

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,310
50/100 $1,501
100/300 $1,615
250/500 $1,912
100 CSL $1,547
300 CSL $1,798
500 CSL $1,980

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $7,150
20 $4,828
30 $2,890
40 $2,842
50 $2,716
60 $2,692

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.

SR-22 Surcharge $183

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $70
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $85
Paid in Full/EFT $57
Advance Quote $63
Online Quote $92
Total Discounts $550
Rate after discounts $760

Discounts are estimated and may not be available from every company or in every state.

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