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Insurance for GMC Vehicles

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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 ...

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UPDATED: Apr 30, 2020

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The table below shows average insurance prices for popular GMC vehicles. More models are listed at the end of this page

Insurance Rates for GMC Vehicles
Vehicle Model Annual Premium Monthly Premium
GMC Acadia $1,294 $108
GMC Canyon $1,324 $110
GMC Sierra $1,460 $122
GMC Sierra 2500HD $1,592 $133
GMC Sierra 3500HD $1,632 $136
GMC Terrain $1,336 $111
GMC Yukon $1,500 $125
GMC Yukon Denali $1,608 $134
GMC Yukon XL $1,454 $121
Get Rates for Your Model Go

Rates assume current 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.

View Chart as Image

Average insurance cost for GMC vehicles
Column chart showing average insurance prices for GMC vehicles range from $837 to $5,338 for full coverage

The prior chart uses the data from all GMC vehicles listed in the table above to demonstrate how variations in coverage can impact auto insurance prices.

Insurance rates for a GMC range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $5,300 a year.

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,300 extra every year, depending on your age. GMC insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average rate.

View Chart as Image

GMC insurance by risk and age

Opting for high physical damage deductibles can save as much as $630 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 more per year

View Chart as Image

GMC insurance by deductible and liability limit

Your home state plays a big part in determining prices for GMC insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or at least $1,920 on average in New Jersey, Michigan, and Montana.

GMC Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,318 -$142 -9.7%
Alaska $1,122 -$338 -23.2%
Arizona $1,210 -$250 -17.1%
Arkansas $1,460 -$0 0.0%
California $1,664 $204 14.0%
Colorado $1,396 -$64 -4.4%
Connecticut $1,500 $40 2.7%
Delaware $1,654 $194 13.3%
Florida $1,826 $366 25.1%
Georgia $1,348 -$112 -7.7%
Hawaii $1,048 -$412 -28.2%
Idaho $988 -$472 -32.3%
Illinois $1,088 -$372 -25.5%
Indiana $1,098 -$362 -24.8%
Iowa $986 -$474 -32.5%
Kansas $1,388 -$72 -4.9%
Kentucky $1,992 $532 36.4%
Louisiana $2,162 $702 48.1%
Maine $900 -$560 -38.4%
Maryland $1,204 -$256 -17.5%
Massachusetts $1,168 -$292 -20.0%
Michigan $2,536 $1,076 73.7%
Minnesota $1,222 -$238 -16.3%
Mississippi $1,750 $290 19.9%
Missouri $1,296 -$164 -11.2%
Montana $1,568 $108 7.4%
Nebraska $1,152 -$308 -21.1%
Nevada $1,750 $290 19.9%
New Hampshire $1,052 -$408 -27.9%
New Jersey $1,632 $172 11.8%
New Mexico $1,292 -$168 -11.5%
New York $1,538 $78 5.3%
North Carolina $840 -$620 -42.5%
North Dakota $1,194 -$266 -18.2%
Ohio $1,008 -$452 -31.0%
Oklahoma $1,500 $40 2.7%
Oregon $1,338 -$122 -8.4%
Pennsylvania $1,394 -$66 -4.5%
Rhode Island $1,948 $488 33.4%
South Carolina $1,324 -$136 -9.3%
South Dakota $1,232 -$228 -15.6%
Tennessee $1,280 -$180 -12.3%
Texas $1,760 $300 20.5%
Utah $1,082 -$378 -25.9%
Vermont $1,000 -$460 -31.5%
Virginia $876 -$584 -40.0%
Washington $1,128 -$332 -22.7%
West Virginia $1,338 -$122 -8.4%
Wisconsin $1,012 -$448 -30.7%
Wyoming $1,300 -$160 -11.0%

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates will be varied between companies.

Additional GMC Vehicles


U.S. averages for full coverage GMC vehicle insurance

Average Policy Cost $1,460
Comprehensive Premium $336
Collision Premium $594
Liability Premium $372

National average data is compiled from all 50 U.S. states for the GMC models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

GMC Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $5,338
20 $3,360
30 $1,530
40 $1,460
50 $1,332
60 $1,304

Full coverage, $500 deductibles

Rates by Deductible

GMC Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,460
$1,000 $1,248

Full coverage, driver age 40

Rates for High Risk Drivers

GMC Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $7,628
20 $5,338
30 $3,226
40 $3,150
50 $3,004
60 $2,976

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 $202

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $75
Homeowner $20
5-yr Accident Free $110
5-yr Claim Free $94
Paid in Full/EFT $69
Advance Quote $73
Online Quote $104
Total Discounts $623
Rate after discounts $837

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

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