GMC Sierra Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 1, 2021

Advertiser Disclosure

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.

How much is a GMC Sierra 1500 insurance policy? The average GMC Sierra insurance rates are $1,460 a year, or $121 a month.

While the average insurance cost for a 2018 GMC Sierra may be slightly different than a 2016 GMC Sierra cost of insurance, vehicles’ rates shouldn’t vary drastically among model years. Read through our guide to learn how you can secure cheap car insurance rates for your GMC Sierra 1500.

To start saving on GMC Sierra insurance and to receive rates for insurance on GMC vehicles, enter your five-digit ZIP code into our free tool above.

Average insurance rates for a GMC Sierra are $1,344 a year for full coverage. Comprehensive costs on average $260 a year, collision costs $474, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,916. Teen drivers receive the highest rates at $5,128 a year or more.

Average premium for full coverage: $1,344

Rate estimates by individual coverage type:

Comprehensive $260
Collision $474
Liability $452

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Sierra trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $504 for only liability insurance to a high of $2,916 for a high risk driver.

Liability Only $504
Full Coverage $1,344
High Risk $2,916

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,008
Small Cities $1,411
Large Cities $1,814

These examples show why it is important to compare rates based on a specific location and risk profile, 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.

Insurance Rate Analysis

The chart below shows estimated GMC Sierra insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $776
  • Drivers who choose higher $1,000 deductibles will pay around $1,178 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,344
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,668
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,916 or more
  • The cost for full coverage for a teen driver may cost $5,128 a year

View Chart as Image

GMC Sierra insurance cost comparison chart
Column chart showing full coverage GMC Sierra insurance rates range from $776 to $5,128

for a GMC Sierra can also vary considerably based on your driver profile, the trim level of your Sierra, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,100 a year. View Rates by Age

Where you live makes a big difference in GMC Sierra insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,920 on average in Michigan, Louisiana, and New York.

GMC Sierra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,214 -$130 -9.7%
Alaska $1,032 -$312 -23.2%
Arizona $1,116 -$228 -17.0%
Arkansas $1,344 -$0 0.0%
California $1,530 $186 13.8%
Colorado $1,282 -$62 -4.6%
Connecticut $1,384 $40 3.0%
Delaware $1,520 $176 13.1%
Florida $1,680 $336 25.0%
Georgia $1,240 -$104 -7.7%
Hawaii $964 -$380 -28.3%
Idaho $910 -$434 -32.3%
Illinois $1,002 -$342 -25.4%
Indiana $1,012 -$332 -24.7%
Iowa $906 -$438 -32.6%
Kansas $1,276 -$68 -5.1%
Kentucky $1,832 $488 36.3%
Louisiana $1,988 $644 47.9%
Maine $828 -$516 -38.4%
Maryland $1,108 -$236 -17.6%
Massachusetts $1,076 -$268 -19.9%
Michigan $2,336 $992 73.8%
Minnesota $1,126 -$218 -16.2%
Mississippi $1,610 $266 19.8%
Missouri $1,192 -$152 -11.3%
Montana $1,444 $100 7.4%
Nebraska $1,060 -$284 -21.1%
Nevada $1,612 $268 19.9%
New Hampshire $970 -$374 -27.8%
New Jersey $1,502 $158 11.8%
New Mexico $1,190 -$154 -11.5%
New York $1,416 $72 5.4%
North Carolina $774 -$570 -42.4%
North Dakota $1,100 -$244 -18.2%
Ohio $930 -$414 -30.8%
Oklahoma $1,378 $34 2.5%
Oregon $1,230 -$114 -8.5%
Pennsylvania $1,282 -$62 -4.6%
Rhode Island $1,792 $448 33.3%
South Carolina $1,218 -$126 -9.4%
South Dakota $1,134 -$210 -15.6%
Tennessee $1,178 -$166 -12.4%
Texas $1,622 $278 20.7%
Utah $994 -$350 -26.0%
Vermont $920 -$424 -31.5%
Virginia $804 -$540 -40.2%
Washington $1,038 -$306 -22.8%
West Virginia $1,230 -$114 -8.5%
Wisconsin $930 -$414 -30.8%
Wyoming $1,198 -$146 -10.9%

View Chart as Image

GMC Sierra insurance rates by U.S. city

Choosing high deductibles could save up to $490 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,238 $103
GMC Sierra SL Extended Cab 2WD $1,272 $106
GMC Sierra SLE Crew Cab 2WD $1,272 $106
GMC Sierra SL Crew Cab 2WD $1,310 $109
GMC Sierra SLE Crew Cab 2WD $1,310 $109
GMC Sierra SLE Extended Cab 4WD $1,310 $109
GMC Sierra SLE Regular Cab 4WD $1,310 $109
GMC Sierra SLT Extended Cab 2WD $1,344 $112
GMC Sierra SL Crew Cab 4WD $1,344 $112
GMC Sierra SLE Crew Cab 4WD $1,344 $112
GMC Sierra SLT Crew Cab 2WD $1,380 $115
GMC Sierra SLT Extended Cab 4WD $1,380 $115
GMC Sierra Denali Crew Cab 2WD $1,416 $118
GMC Sierra SLT Crew Cab 4WD $1,416 $118
GMC Sierra Denali Crew Cab 4WD $1,450 $121

Rates assume 2016 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
2016 GMC Sierra $260 $474 $452 $1,344
2015 GMC Sierra $250 $446 $456 $1,310
2014 GMC Sierra $240 $400 $460 $1,258
2012 GMC Sierra $216 $346 $464 $1,184
2011 GMC Sierra $210 $322 $474 $1,164
2010 GMC Sierra $194 $300 $474 $1,126
2009 GMC Sierra $190 $272 $478 $1,098
2008 GMC Sierra $176 $248 $474 $1,056
2007 GMC Sierra $166 $226 $474 $1,024
2006 GMC Sierra $162 $202 $468 $990
2005 GMC Sierra $158 $198 $460 $974
2004 GMC Sierra $156 $188 $452 $954
2003 GMC Sierra $142 $180 $446 $926
2002 GMC Sierra $138 $170 $442 $908

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 Find Cheaper GMC Sierra Insurance

Saving money on GMC Sierra insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $427 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,570 more each year for insurance

The best way to save on the GMC truck cost of insurance is to shop online for quotes. If you haven’t bought a car yet, you can still shop for quotes to find out the GMC Sierra price range for different model years and trims, such as 2006 versus 2009 GMC Sierra trim levels.

Remember, the age of your model will impact your rates. But by how much for a GMC Sierra? The average insurance cost for a 2018 GMC Sierra will be few hundred dollars higher annually than the 2014 GMC Sierra costs.

If you are ready to start shopping around to find out answers to questions like how much does a 2014 GMC Sierra 1500 cost to insure in my area, or 2018 GMC Sierra costs, enter your ZIP code in our free tool below.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

What are the safety ratings of the GMC Sierra 1500?

It is easier to find cheap insurance for a GMC Sierra 1500 if the GMC Sierra 1500’s safety ratings and features are better than average. The GMC Sierra 1500 does have some great safety features, such as traction control, a blind-spot monitor, and cross-traffic alert.

The Insurance Institute for Highway Safety (IIHS) has also crash-tested the 2020 GMC Sierra 1500 pickup. Take a look at the resulting ratings below.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Marginal
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest rating, so the GMC Sierra 1500 did well.

Check to the GMC Sierra 1500 crash test ratings as performed by the National Highway Traffic Safety Administration in the table below.

GMC Sierra 1500 Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 GMC Sierra 1500 PU/RC 4WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/RC 2WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/EC 4WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/EC 2WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/CC 4WD4 stars4 stars5 stars4 stars
2020 GMC Sierra 1500 PU/CC 2WD4 stars4 stars5 stars4 stars
2019 GMC Sierra Limited 1500 PU/EC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra Limited 1500 PU/EC 4WD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/RC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/RC 4WD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/EC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/EC 4WD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/CC RWD4 stars4 stars5 stars4 stars
2019 GMC Sierra 1500 PU/CC 4WD4 stars4 stars5 stars4 stars
2018 GMC Sierra 1500 PU/RC RWD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/RC 4WD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/EC RWD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/EC 4WD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/CC RWD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 PU/CC 4WD5 stars5 stars5 stars4 stars
2018 GMC Sierra 1500 Hybrid PU/CC RWD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/RC RWD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/RC 4WD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/EC RWD5 stars5 stars5 stars4 stars
2017 GMC Sierra 1500 PU/EC 4WD5 stars5 stars5 stars4 stars
Get Your Rates Quote Now

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Over the years, the GMC Sierra performed well and never scored lower than 4-stars.

GMC Sierra 1500 Compared Against Other Vehicles in the Same Class

The GMC Sierra 1500 is a large pickup, which sometimes can mean higher liability rates, as larger cars can do more damages. Luckily, the IIHS rated the GMC Sierra 1500’s liability losses as average and better than average in comparison to other large pickups.

See the GMC Sierra 1500 insurance loss probability details in the table below.

GMC Sierra 1500 Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-11%
Property Damage22%
Comprehensive6%
Personal Injuryno data
Medical Paymentno data
Bodily Injuryno data
Get Your Rates Quote Now

The lower the number, the better the insurance loss ratio. For this vehicle, the collision loss ratios are substantially better than average. However, the property damage ratio is worse than average.

To see how the GMC Sierra’s 1500 rates compare to other large pickups, view the vehicles below.

If you’re wondering how much does a GMC truck cost, expect to pay around $40,000 or less. How much does a 2014 GMC Sierra cost? Just under $30,000.

We hope you have a better idea of GMC Sierra’s price range for insurance.

To find out how much a GMC Sierra 1500 or other GMC truck will cost to insure in your area, just enter your five-digit ZIP code into our FREE online quote tool.

References

  1. https://www.iihs.org/ratings/vehicle/gmc/sierra-1500-crew-cab-pickup/2020

Rates by Driver Age

GMC Sierra Insurance Rates by Driver Age
Driver Age Premium
16 $5,128
20 $3,110
30 $1,394
40 $1,344
50 $1,228
60 $1,206

Full coverage, $500 deductibles

Rates by Deductible

GMC Sierra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,668
$250 $1,518
$500 $1,344
$1,000 $1,178

Full coverage, driver age 40

Rates by Liability Limit

GMC Sierra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,344
50/100 $1,540
100/300 $1,653
250/500 $1,947
100 CSL $1,586
300 CSL $1,834
500 CSL $2,015

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Sierra Insurance Rates for High Risk Drivers
Age Premium
16 $7,304
20 $4,956
30 $2,970
40 $2,916
50 $2,786
60 $2,762

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $97
5-yr Claim Free $87
Paid in Full/EFT $59
Advance Quote $66
Online Quote $95
Total Discounts $568
Rate after discounts $776

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles