GMC Sierra Insurance Rates

The average insurance prices for a GMC Sierra are $1,258 every 12 months including full coverage. Comprehensive costs on average $240 a year, collision insurance costs $400, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $2,720. Teenage drivers cost the most to insure at up to $4,852 a year.

Average premium for full coverage: $1,258

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Sierra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location and their own driving history, instead of using average rates.

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

Additional Charts and Tables

The chart below breaks down average GMC Sierra insurance rates for different risk profiles and scenarios.

• The best discount rate is $736
• Drivers who choose higher $1,000 deductibles will pay around $1,112 every year
• The average price for a good driver age 40 with $500 deductibles is $1,258
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,538
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,720
• Policy cost to insure a teen driver may cost $4,852 a year

View Chart as Image

Insurance rates for a GMC Sierra also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Sierra.

Using high physical damage deductibles could save up to $430 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in GMC Sierra insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,800 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Shop for Cheaper GMC Sierra Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to compare rates at least once a year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below is a condensed summary of the primary concepts that were covered above.

• You may be able to save as much as $150 per year just by quoting early and online
• Higher risk drivers with multiple at-fault accidents may pay on average $1,460 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Teenage drivers pay higher rates, with premiums being up to $404 each month if full coverage is included